Get a quote

What is a merchant account?

Basically, every business that takes cards has to have a merchant account between the customer’s bank account and their own. And depending on how you’re going to take card payments, you may need more than one, but don’t worry we’ll sort all that out for you - in a jiffy. And best of all, it’s free.

©PBerry-3905_isolated_cropped.jpg

We have loads of ways for you to get paid

Card machines

We’ve a terminal to suit you.

  • Countertop take payments at the till
  • Portable take the card machine to your customers
  • Mobile take card payments on the go
Find out more
card machine

Payment gateway

More ways to pay.

  • Pay online
  • Pay by phone
  • Pay by email
Find out more
payment gateway

Keep your payments rolling in

Card transactions seem simple, but are actually pretty complex. That’s where a merchant account comes in. It’s different to a business bank account or personal bank account (if you're a sole trader) and if you want to accept card payments, you have to have both. The merchant account acts a bit like a middleman between you and your customers. When they make a payment, it checks there’s enough funds in their account, takes the money, holds it while the process completes, then drops it into your bank account 3-5 business days later. Get in.

©PBerry-3882_isolated_cropped.jpg

Merchant accounts - how many will I need?

Depends what you’re doing really. If you’re taking card payments with a card machine, you’ll need one  for each location you’re taking payments but you can have multiple card machines at each site.

For online payments it’s a bit different. You’ll need an merchant account for online payments (even if you already have one for a physical shop) and you’ll need a different one if you want to accept payments by email or phone, or both.

But don’t get hung up on the numbers. We’ll look at your whole business, figure out the best and most efficient solution for you, explain it, agree it with you, and set it all up for nothing. We’re nice like that.

1. One shop and one card machine = one account
2. One shop and five card machines = one account
3. Three shops and three card machines = three accounts
4. Online shop = one account (even if you also have one for a physical shop)
5. Phone or email payments = one account

Read more
Intro graphic shopping_3.1 Merchant Account.jpg

Start taking
card payments

Why choose Paymentsense?

Ps_icons_48px__Customer Support.svg
Ready for anything

Need some help? Our UK-based team are available 24/7. They’re a friendly bunch whose mission is to make things easy for you.

Read more
Ps_icons_48px__Integrated.svg
Integrated payments
Sounds boring, but it’s not (promise). It lets your card machine and till talk to each other for simpler sales – and we’re the only ones offering it at no additional cost.
Read more
Ps_icons_48px__Power of Many.svg
Strength in numbers

What do you get when you combine the power of 70,000 small businesses? Better rates. It’s no joke – we use our size to negotiate with the banks and pass the savings onto you.

Read more
Ps_icons_48px__Superfast.svg
Quick as a whip

We know time is money, so we never waste yours. From easy online sign up to 3 day set up, even our Chip and PIN machines are quick – just plug them in and you’re off.

Read more
25.7 Information List (Why Choose Us)_Hands_BG.png

We hate to boast. So we let our customers do it.

Another really decent thing about being with Paymentsense is the fact I can now get paid through email, over the phone and on my website.

Simon White
Simon White Plumbing
©PBerry-5546_cropped_review.jpg

I have a link from our secure online terminal so customers can pay online - taking card payments straight on the website, which has increased sales.

Gary Lee
Green Leevs Garden Centre
©PBerry-2414_cropped_review.jpg

Extras that make all the difference

PCI_Phone_Validation_1750x1000.jpg

PCI phone validation

Sort out your PCI compliance with a simple phone call.

Find out more
Automated_Till-Roll_1750x1000.jpg

Automated receipt rolls

Never run out of receipt rolls again with our automated delivery service.

Find out more
Performance_Reports_1750x1000.jpg

Performance reports

Get a snapshot of your week sent straight to your inbox.

Find out more
Plus_1750x1000.jpg (1)

Plus

Save money on big name brands with our exclusive rewards programme.

Find out more