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Market leading rates and service

Card Processing Merchant Account

If you need to take card payments, in today's dynamic, fast moving world there a now many options available, however, the best option is to have a Card Processing Merchant Account.

A Merchant Account is an intermediate service that connects card providers like Visa, Mastercard and American Express with your bank account.  Merchant Account Providers manage the transaction, collecting the money from the customer and depositing it your account.  When you have a Merchant Account you can take cards in a number of ways:

  • Card machines/terminals
  • Online 'virtual' terminals
  • Ecommerce
  • Via other software, like accounts/invoicing systems
  • and more!

Premium Members of Your Business Community get access to market leading rates via Lloyds Cardent, one of the largest Merchant Account providers in the UK.  

Card Processing Merchant Account

YBC Premium Members benefit from:

  • New to card rates from 1.495%
  • Free consultation
  • No Joining Fees - Save up to £350
  • No Transaction Authorisation Charge
  • No minimum monthly charge
  • Online access to your Cardnet account
  • No chargeback fee
  • No termination fee on your Cardnet account
  • No PCI DSS Fees
  • Minimum Monthly Charge £10 (normally £25)

This can save you hundreds of pounds, when compared to going to Lloyds Cardnet direct or other Merchant Account providers

YBC Premium Members can also get access to a great range of card machines/terminals, from £12.75 a month.

If you already have a Merchant Account with another provider, send us a copy of your latest statement and we will show you how we can improve your rates.


Note:  To access these market leading rates, Lloyds Cardnet will review the your business and assess it.  Should your business fall out of their acceptance criteria, we will endeavour to get you great rates via our partners, UPG.


Card Processing Merchant Account



Information correct as at 1 February 2014.  Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service. MasterCard® is a registered trademark of MasterCard International Incorporated. Maestro® is a registered trademark of MasterCard International Incorporated.

Cardnet is a registered trademark of Lloyds bank plc. Lloyds bank plc Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Authorised by the Prudential Regulation

Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Conduct Authority no. 119278. Lloyds bank plc is covered by the Financial Ombudsman Service.