Card Processing Merchant Account

Market leading rates and service

If you need to take card payments in today’s dynamic and fast moving world there are many options available and from a wide range of providers.

Visa and MasterCard manage the majority of the credit and debit card network and your relationship with them will be via a card processor, also commonly known as a merchant services provider or card acquirer. All of the main UK banks have either their own card processing business or a relationship with a third party processor, so with a significant amount of income to be made in processing card payments, it’s not surprising that your bank will try their hardest to push you towards their service and not offer you the most competitive of deals. The key here is that you are free to use any processor, no matter where you bank.

When you have a Merchant Services Account you can take cards in a number of ways:

  • Card machine/terminals (chip & pin/contactless)
  • PC based ‘virtual’ terminals (phone payments)
  • e-commerce (payments via your website)
  • Software (via your accounts/invoicing systems)
  • Mobile Phone/Pay as You Go (take payments anywhere)

As a member of Your Business Community you’ll get access to market leading rates via our partner acceptcards.

acceptcards was founded in 2005 to provide a specialist consultancy service where businesses can go to obtain impartial advice and arrange or review their card payment solutions.

acceptcards is now the UK’s leading independent merchant service brokerage, trusted by thousands of businesses nationwide to arrange and regularly review their card processing needs.

YBC Members benefit from:

  • Card processing rated from 0.4% debit cards & 0.7% credit cards
  • Free consultation
  • No joining fees – Save up to £350
  • No transaction authorisation charge
  • No Minimum monthly charge (normally £25)
  • Reduced PCI DSS fees
  • On-line access to your merchant account

This can save you hundreds of pounds when compared to going direct to the merchant services providers.

Benefits of using YBC and acceptcards to arrange your card processing
acceptcards arrange cost effective card payment solutions for businesses of all shapes and sizes. By working closely with the UK’s Acquiring Banks, and other carefully selected payment companies, they are able to offer a unique service that matches your individual card processing requirements with the providers best suited to your needs.

Service Benefits:

  • Choice of payment providers
  • Low cost processing rates and charges (fully explained)
  • Choice of terminal options – unlocked and flexible terms (all accepting Contactless payments)
  • Additional support and on-going expert advice

Whether you wish to take payments face to face, over the telephone, through your website or on a mobile phone, their expert consultants will discuss your requirements with you, carry out a review of the options available and provide you with a recommendation for the most suitable solution available.

And it doesn’t stop there…. Once they have sourced the best solution for your business, you will be assigned a dedicated UK based administrator who will assist you throughout the application process, to ensure you are up and running with your facility as quickly and easily as possible.

Switch & Save

For businesses already accepting card payments you can use the FREE switch & save review service that could save you up to 40% on your existing charges. EU regulation in 2015 and 2016 reduced the cost of processing consumer credit card payments and as a result there’s never been a better time to review your current charges to ensure you’re benefiting from the lowest costs.

Simply send a copy of your latest merchant statement and they’ll use this to negotiate better terms from their partners. The service is free of charge and they’ll be on hand to support and assist you throughout the switchover process.