UK Merchant Services

If your business takes card payments online, over the telephone or face to face, you need a payment facility that fits the way you sell. The cheapest advertised transaction rate is not always the best option once settlement times, chargebacks, reserves and other fees are considered.

Coutts Consultants can introduce eligible businesses to third-party merchant and payment providers and help prepare the application. We look at what you sell, how customers pay and your trading history so the provider understands the business properly.

For online and traditional businesses

Merchant facilities can support website payments, card terminals, recurring payments and other card-processing requirements depending on the provider.

We consider sales channels, customer location, expected turnover and how goods or services are delivered.

New and established merchants

An established business may be asked for processing statements, financial information and chargeback history. A new business may need forecasts, website information and evidence showing how orders will be fulfilled.

We help organise the relevant information before underwriting begins.

Specialist sectors

Some sectors are outside the appetite of mainstream acquirers but may be accepted by specialist providers.

Where a legitimate specialist route exists, we can consider it without disguising the nature of the business. Providers still apply their own underwriting and AML requirements.

How Coutts Consultants can help

We review the trading model, prepare the application information and introduce the business to a suitable provider where available.

Coutts Consultants does not provide card acquiring or lend money to the merchant. The provider decides acceptance, pricing and settlement terms.