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What are merchant services?

There is more to merchant services than simply processing credit cards. There are numerous ways to accept payments securely and efficiently. Regardless of your online or off-line status, always accept debit or credit cards from your customers. When it comes to needs during the payment process, online payments, e-commerce, recurring billing cycles, types of integration and many more things to choose from, merchant services will provide these services as there is more than one way to receive a payment safely and securely. We will pay you with the finest payment processor in order to suit your needs and meet your budget.

Depending on what past experience you hold, what your credit history looks like, what type of business you have established, how you intend to receive any payment, regardless of how it is received, you will be eligible for our merchant card services. No need to worry our payments by card consultant will conduct a thorough insight as to what makes it possible for you and your business to come up with an arrangement that’s right for you.

We get to know you, your business and the industry you work in, so that we can build a credit or debit card payment solution that works for you, uniquely tailored to your customers needs. Would you like to know what types of products we offer or which one is right for you? Get in touch with one of our experts today.

Are business bank accounts the same as merchants bank accounts?

Payment processing can generate quite a bit of confusion to any recently acquired business owners. Your business bank account represents any expenses associated with what it takes to run your business through to its biggest extent. Merchant accounts are solely about processing and accepting incoming payments by credit or debit cards. Services such as credit card processing and EPOS till schemes are what we specialise in, which is why we will be providing a fully unified system targeted at business owners located in ClactononSea.

What are the benefits of having merchant services?

In store merchant services offer the ability for any customer payment to be made not only with credit or debit cards, but also pain wave transactions with a limit of £45. The number of customers that now insist on paying by card over cash has increased due to the pandemic’s aftermath. With a merchant account, your company will be able to accept thus lowering the number of checks or notes you will have to come into contact with. Merchant services are essential to small businesses in order to monitor the growth and increase in credit or debit card payments. In order to provide a quick, easy and secure payment process, use our merchant services, both physically or online. Anybody is eligible for merchant service solutions, only taking a short amount of days to be provided to you.

Merchant services and misconceptions.

To get a merchant account for your ClactononSea company, one application will not suffice. All the terms, and processing rates must be discussed and agreed upon by the business owner before an account is approved is that merchant account. Merchant accounts are not as difficult as they seem.. If you are new to merchant accounts they can seem quite disorientating at the start. A reputable merchant services provider will explain everything in great detail, and support your business through the application process. Make sure you choose the right one for your business by checking out these merchant account myths and discovering the real truth. There is a myth surrounding merchant services, that means it is expensive to get started with a merchant service. Wondering how much it cost to start up surrounding merchant services is a normal step to take.

Another example of a misconception surrounding merchant services is that they cost quite a bit of money to start up. When you own a small business and you are looking to increase profit and simplicity, you must think carefully before choosing your merchant services providers. There are a lot of different aspects to the service that you must consider in order to make the right decision when selecting a new provider. Wireless terminal solutions is here to help you see your way out of your contract. Offering several paths into finding better rates and fees and providing superior merchant services as a result.

Key benefits to using our merchant services in ClactononSea.

There are a multitude of benefits to using our merchant services. Being a leading merchant account provider in ClactononSea, we will provide you with fast and simple solutions to any business of any size. Our goal is to create a turnkey solution that helps you succeed online. If you are looking for the lowest rates available on credit card processing, our merchant services will provide. Residents of the United Kingdom chose to pay with their mobile phone more than ever before and with the no contact limits being increased to £45 earlier this year in order to reduce the amount people handling money, the amount of card processing transactions is likely to increase.

In the UK business owners are aware of their luck in diverse ways surrounding accepting payments, and understand that giving customers a choice is the possibility of paying by card. Signing up to a merchant account using wireless terminal solution has never been easier. If your company is well established you will need a secure payment platform that is easy to use, if you are just getting started, you will need to choose wisely surrounding what payment platform will best suit your company.

Added card security.

Small businesses have a responsibility to make sure that their credit card information is safeguarded. In order to protect your customers and the management of your payments merchant service providers will help to protect and manage those payments across a variety of gateways and websites. Merchant all merchant accounts must lie with the PCI after providing how credit card information is processed ,stored and used.

You can’t trust just anyone to watch your credit card information, protect yourself by working with the provider that is PCI compliant which is also designed to prevent security breaches. If you are worried about security vulnerabilities in your business, and you accept card payment it is advised that your contact information is accessible and up-to-date. Your merchant services purchaser can be contacted online or directly.

Fast payment settlement.

Settlement on the same day means you will receive the money into your accounts for your merchant services much quicker. Credit card processing and merchant services from wireless terminal solutions makes it perfectly possible to get access to those funds right away. In today’s environment, many businesses focus on payment resolution using timelines and prompts. Soak up the daily management of your business with our full merchant service. Get your money quicker and lower your payments processing costs – call us today for a free quote. You must remember – only certain businesses are eligible for same day settlement depending on various factors. Usually, the retailer acquires a certain level of discretion and other factors that include how you trade and what nature your business has. Same day settlement on your merchant services account enables business owners to receive money from clients.

Offer flexible payment options for your customers.

In the current climate it is imperative to offer as many options as possible for accepting payment. In order to get paid on time and in full, regardless of your credit record, we specialise in high risk merchant services. It could give your business the help and support it needs. In order to avoid credit crunches by accepting credit card payments and associated products all merchant services can help you.

Every aspect of merchant services has helped business owners with many aspects of payment options and wireless terminal solutions have been assisting business owners for over 12 years in order to meet their needs.

Take advantage by accepting or debit and credit cards.

There are numerous benefits in starting to accept in-store services and card processing. Companies that accept credit cards can do so by increasing their customer base. Furthermore, the option of accepting payment by card provides the merchant with additional relaxation. Our merchant services and different types of payment technology is only being used by thousands of retailers and companies across the UK, if you’re interested in joining this movement in merchant processing, contact us today. We work with businesses that are small medium or big so that we are able to manage and fully develop your company.

What types of card machines come with the merchant service account?

Deciding what type of card machine suits your company should be done after you have a merchant services account to your business. It all depends on what kind of company they are and the way in which they interact with their clients. There are a variety of card manufacturers across the United Kingdom, the most popular ones being in Ingenico, VeriFone, PAX, Spire and Castle. We are payment specialists when it comes to card machines and we offer the best card machines. The hardware is designed to help your business grow. We have one mark distributor feet budget on configuration. Take advantage of how owning a card machine or renting an assured long-term lease will benefit your business in the long run. The main types of card machines for business owners to use are, CounterTop card terminals, definite/phone line connected, all mobile solutions including Wi-Fi, Bluetooth and Sim card enabled products. They all come with a host of perks and homeowners will enjoy scrap that they are, the host of perks and company owners will enjoy stress free transactions while paying less for processing cards.

The Ingenico Move/5000 card machine is the next generation of credit card machine and boasts lots of benefits including a tri communication connectivity that can be set up in less than a minute, this compact contactless enabled card machine provides owners everything they need to accept debit and credit card payments. The move 5000 payment terminal is capable of processing chip and pin, contactless and near field communications, NFC.

Your business to a new level with our ingenious products.

Introducing the move 5000 payment terminal, equipped with multiple connection options. The move 5000 mobile payment terminal provides a unique blend of cutting-edge hardware and is available on a rental agreement to meet the needs of your business.

FAQs

What are the benefits to having merchant services?

Put quite simply the opportunity for increased Sales. The last decade has seen the amount of businesses accept card payments with merchant services grow tenfold. It is fact, that more payments have been made by cards than by cash in the last few years.

What are merchant services?

Any money your business processes from card payments go into the merchant services account before being transferred to the business bank account. Merchant services is an online bank account set up with a merchant services provider, so it’s separate from your business bank account.

What are some of the key advantages to having merchant services?

The list is extensive, but here are just a few examples:
  • The ability to accept card payments from customers
  • Merchant services increases sales because customers are not restricted to cash only purchases
  • Merchant services provides new opportunities for sales via telephone mail order and online
  • Increased impulse purchasing opportunities as people go from browsers to buyers

How will the introduction of merchant services benefit my staff?

Introducing merchant services means staff handle less cash, reducing the potential for simple mistakes.

How long does a merchant services application take?

In most cases a merchant services application takes anything from 2 – 5 working days, once the customer has completed all relevant documentation. Every merchant services application is different and this can be based on the way the business operates, what they sell and where they trade from.

How to be kept up to date with a merchant services application?

All reputable providers should assign a dedicated account manager who manages all aspects of the merchant services application, and should keep all suitable parties involved in the merchant account application up to date.

Where do I get a merchant services application form from?

You will need to contact an affiliated merchant services acquirer (this can be a bank, ISO or independent seller) which you can source through Google. They will support and guide the business through the merchant services application form.

How do you get help with your merchant services application?

All companies who offer merchant services facilities should provide an infrastructure to provide merchant applicants the necessary support where required. If you are unsure, ask when you make an enquiry.

What documentation do I need to provide on a merchant services application?

In most cases the customer or business will need to provide proof of their business bank account. In addition, proof of ownership/director and copies of passport and address may be required. Everything will be outlined on the form and it is mandatory regardless of which merchant acquirer you use.

When I switch merchant services do I terminate my current agreement?

Everything should be outlined for you. If you are unsure check your current agreement. There have been instances where people have cancelled their merchant services agreement and then been penalised as they have broken their contract.

Who is my merchant services agreement with?

You should receive a monthly merchant services statement detailing all transactions and any relevant charges. Some businesses work with independent suppliers or an ISO but they will have a direct relation with one merchant acquirer. If you are unsure speak with them.

Who settles my funds on my merchant services?

This will always be done directly by the merchant services acquiring bank. Even in instances where your relationship is with a third party or ISO all settlement funds are never, at any time, held by a supplier.

What is the cost for terminating my merchant services contract?

This should have been outlined in the initial set up. In this instance we would suggest referring back to the original agreement, and if not speak with the acquirer outlining what implications there are for terminating the merchant services agreement.

Should I worry about PCI compliance on my merchant services account?

PCI DSS standards exist to protect the security of your customers’ credit card data. All UK based merchant accounts need to be PCI compliant and there is a criteria of requirements. It is paramount that every business that uses merchant services has this. This should be outlined in your merchant services agreement.

How to add AMEX to my merchant services account?

This should be offered at the time of setting up the merchant services account application. If you need to add this midway through the account, speak with AMEX at their Brighton offices and they will assist in getting this added to your merchant services account.

When do I receive my funds on my merchant services account?

In most instances it is typically 3 days but any restrictions should have been outlined at the time of signing up. In some cases some merchants are able to offer next day funding but this isn't available to everyone.

Do I get separate merchant services account numbers for debit and credit cards?

You will have one merchant number for face to face transactions that apply to all debit and credit cards. If you accept AMEX that will be an additional merchant services account number. If you were looking to accept payments online, or via your website you will need a separate merchant account set up.

How are my monthly fees paid on my merchant services account?

Monthly merchant fees are automatically debited from your business bank account normally in first week of each month for the previous month’s fees. This will be outlined and differs from each acquirer.

Can a sole trader have merchant services?

Yes. Anyone who is trading regardless of whether they are a sole trader, limited company or multinational retail establishment can accept debit and credit cards.

How long should I keep my merchant services transactional documents?

Most financial establishments in the merchant services industry recommend you to keep all transactional data and documentation for a period of at least 18 months.

How do I order an additional card machine for my merchant services account?

Speak with the merchant services acquirer, or speak with a card payment specialist.

Can I accept payments in more than one currency on my merchant services account?

Yes. It is advisable to check with the relevant merchant acquirer to see if this is possible. We suggest speaking with the relevant merchant services provider to discuss the currency you wish to trade in and how you wish your account to be settled.

What types of card machines come with a merchant services account?

You have 4 options. You have the mobile option which connects via a roaming SIM card. You have the portable option which connects via a router. The popular Wi-Fi card machine or the traditional countertop card machine which is popular for retail businesses who use merchant services account.

What do merchant services cost?

Some merchant services providers charge a set up fee, others don't. You will then have merchant services transaction fees, which is a set fee a business would pay on debit and credit cards for each transaction. In this instance, it is normally a flat rate or a percentage and you may have to pay an authorisation fee.

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