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What are merchant services?

Handling credit cards isn’t the only service merchant services will provide you with. There are a number of ways to welcome payment safely and effectively. Regardless of your online or off-line status, always accept debit or credit cards from your customers. Merchant services covers all payment processing needs, with a bountiful number of payment gateways, online payments, e-commerce, recurring billing, infinite integrations and more, there are many ways to accept payments. We will pay you with the finest payment processor in order to suit your needs and meet your budget.

Merchant card services located in Orpington include a multitude of defining aspects, such as what field your business is in, how you expect to be receiving payments, in person or over the phone, your credit past and past experience. In order for you and your business to succeed, you will need to put a plan in place. Our card payment specialists will develop any notable aspects surrounding what will affect your business in a more positive way.

We will retrieve information regarding you, your company and the field you are currently in, in order to establish a payment solution by credit or debit card that is well adapted to the needs of your customers. Gather the information you need surrounding our payment solution services and what will suit you best.

Are business bank accounts the same as merchants bank accounts?

If any business owner isn’t familiar with the concept of payment processing, it can create a significant amount of disorientation. An enterprise bank account corresponds to the expenses related to the overall operation of your company. Merchant accounts only prose says and accept payments by credit and debit cards. We specialise in all aspects relating to the merchant scrub that relating to merchant services, and we aim to provide a seamlessly integrated platform enabling business owners in Orpington to access merchant service credit card processing and EPOS till system.

What are the benefits of having merchant services?

Merchant services will offer your business the ability for your customers to pay you, using their credit or debit card, this also includes pay and wave transactions which is up to the value of £45. The number of customers that now insist on paying by card over cash has increased due to the pandemic’s aftermath. If you have a merchant account, you are eligible for digital payments instead of simply accepting cash in hand. Merchant services can be fundamental in this day and age, allowing you to make and accept any payment while avoiding having to use cash. 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 Orpington 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. If your initial thought is that using merchant accounts is difficult, there is no need to worry they are easier than they look. At first they can be quite daunting if you’re not familiar with what you are getting into. Merchant services supply you with the support and personal descriptions on how to go through with your application process. Be sure to pick the right one for your business by verifying these merchant account misconceptions and in covering 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 that surrounds merchant services is that they can be expensive to start with. In order to make your life as a merchant easier and increase profits, you must choose the right merchant services provider. While there are a number of aspects surrounding the service that you need to consider before choosing the right provider for your business, you are not stuck with your current provider and can freely choose another one. Wireless terminal solutions are help ahead scrubber wireless terminal solutions are here to help you get off the hook, providing different parts in order to find more suitable rates and fees.

Key benefits to using our merchant services in Orpington.

There are various advantages and benefits when you use our merchant services. Being a leading merchant account provider in Orpington, we will provide you with fast and simple solutions to any business of any size. Our objective is to create a 10 key solution that will make your presence online successful. We supply merchant services to switches, and are new to cards and any other companies, and we strive to offer the lowest rates you will be able to find and credit card processing. As the contactless limit was raised to £45 in April of this year, people in the UK chose to pay by their mobile devices more than ever. This means the number of card processing transactions will grow stop

Business owners in the United Kingdom are lucky in a variety of ways when it comes to accepting payments and we accept that it is about giving customers a choice, and also the option of paying how they want, when they want. Creating a merchant account with a wireless terminal solution is as easy as ever. 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 need to be sure your credit card information is safe. Merchant service providers will help keep your customers safe and secure by managing your payments on various payment gateways in different websites. Merchant all merchant accounts must lie with the PCI after providing how credit card information is processed ,stored and used.

You mustn’t rely on anyone to monitor your credit card details, working with a provider that is PCI compliant will help you avoid this situation. If your business accepts card payments and you are worrying about security breaches, we recommend you to keep any information of your point of contact with your relevant merchant acquirer. You may do so online or by communicating directly with your merchant service acquirer.

Fast payment settlement.

You may receive your money in your account from your merchant services on the same day. Wireless terminal solutions credit card processing and merchant services provide immediate access to these funds. During the current climate, many businesses are geared around quick turnaround and needing fast payment settlement. Absorb yourself in the day-to-day running of your business with our comprehensive merchant service. Get your cash quicker and minimise your payment processing costs – in order to get a free quote,. Same day settlement is only accessible to hand-picked companies and depends on many different factors that are taken into consideration. Generally, the merchant acquires discretionary power and other considerations, this includes your negotiation skills and the nature of your business. Same day settlement service on your merchant services account will enable any business owner to accept funds and payments from customers.

Offer flexible payment options for your customers.

In today’s environment, we need to provide as many options as possible in order to accept payments. The assistance that you will need in order to get paid on time, regardless of your credit history, high-risk merchant services is here to provide you with that assistance. All merchant services can help you deal with the crisis surrounding credit by accepting credit card payments and any related products also.

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. Businesses who accept credit cards can effectively increase their customer base. The option of accepting payment by credit card will facilitate the experience for the merchant. Our merchant services payments technology is being used across the UK by thousands of businesses. If you are interested in dealing merchant’s, contact us now. We work with small and medium-size companies. So we can manage and grow with your business.

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

Once your business has a merchant services account, you need to determine the type of card machine that suits your business. It all comes down to the type of company they have and the interactions they have with their customers. While there are various carmakers in the United Kingdom, some of the best include Ingenico, VeriFone, PAX, Spire and Castle. We specialise in payment for card machines and we offer nothing but the best, including hardware that is designed to benefit your business. We have a card machine for every budget and set up. 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. Every single one comes with a variety of benefits and owners will benefit from stress free transactions and lower processing costs.

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.

Go the extra mile with our innovative 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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