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Our digital payments team members are ready to get your merchant account sorted.
Your merchant account
A merchant account is a regulated financial account issued by an authorised member of Visa and MasterCard (the “card schemes”). You need one to accept card payments.
Your merchant account identifies you as card acceptor on the scheme networks and is the collection point where your funds are settled before being paid out to your bank account.
The underwriting process
Merchant account providers (or “acquirers”) are financial institutions, and must comply with scheme rules and financial regulation. They will always verify the key facts about your business and its principals to satisfy their legal requirements.
Each acquirer must perform due diligence to make sure that:
- Your business conforms to their risk policy
- Your website and business practices comply with scheme rules
- Your company structure is acceptable
- Directors and UBOs are identified and are not problematic.
We help you through this entire process - by preparing your application, collecting documents, reviewing your website and answering acquirer questions.
The right mix of features
Merchant account configurations are available with the following features:
- Accept major card brands - Visa, MasterCard, Diners, Discover, China UnionPay, JCB
- ApplePay and GooglePay ready
- Recurring payments, card tokenisation
- Ecommerce, MOTO and POS payment types.
- More than 150 acceptance currencies
- 14 major settlement currencies.
- Fraud notifications and pre-chargeback dispute resolution with Ethoca and Verifi.
Don’t see the features you need? Get in touch with our team to discuss your requirements.
A trusted network of acquirers
Each acquirer has their own business focus and risk appetites, offering variations on accounts and features. We’ve built a network of partners across Europe and the United Kingdom to leverage these differences.
By working with multiple acquirers we can offer solutions that are robust, durable and well-suited to your requirements on the possible best terms.
The result is a merchant account that fits your needs.