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Do you currently process card payments?
Compare payment processors and secure the lowest credit card processing fees for your business
- Receive preferential rates from trusted payment processors
- Compare multiple merchant service providers from a single source
- Back up support throughout the agreement with the provider you choose
You'll only deal with us. We are not a lead generation company.
No multiple sales agents. No call centres. No referring your details.
Compare payment processors and secure the lowest credit card processing fees for your business
Find the perfect payment processor and lowest transaction fees for your unique business
We deliver you highly competitive quotes with preferential rates from our panel of tried and tested merchant service providers. No need for you to deal with multiple sales agents and incessant call centres that provide opaque and uncompetitive quotes.
Multichannel
Lower your card processing fees on all sales channels
Whether you want to accept payments in person, online or over the phone we can help you find the best solution for your business.
In Person
Accept credit cards and digital wallets on card terminals right for your business
At the table with a portable machine connected via Wi-Fi, Bluetooth or 3G
On the go with a mobile machine using a SIM card with 3G or GPRS
With a countertop terminal connected to a phone line or broadband router
Online
Browser-based checkouts for desktops, tablets and mobiles
Hosted by the payment processor or integrated into your website via an API
Integrate with your existing payment gateway or ecommerce platform
Take international payments and process payments in local currencies
Phone
Take payments over the phone securely via a virtual terminal
Process electronic payments via telephone, email, mail order
No website required - use the virtual terminal on a mobile, tablet or PC
Fully PCI compliant with Address Verification System (AVS)
What we provide
Preferential card processing rates
Our buying power and long-established relationships with merchant service providers mean we can secure your business preferential payment processing rates.
One Point Of Contact
You will only deal with us until you make a decision on the best route forward. That means no annoying calls, texts or emails from multiple merchant service providers or call centres.
Market Access
We have access to 90% of the UK’s leading acquiring banks and can save you weeks of hassle obtaining bespoke quotes and negotiating terms.
Quotes You Can Easily Compare
Our quotes will be formatted so you can easily compare fees and savings across providers. They will also be unbiased. Whilst we have our preferred payment providers, we are independent and have no allegiance to any of them.
Expert Payment Processing Advice
Each of our payment consultants has years of experience negotiating fees, scrutinising contracts and communicating with merchant service providers. We’ve advised thousands of businesses with annual turnovers ranging from below £25K to over £350 million.
Provider & Contract Due Diligence
Avoid being overcharged, rate increases mid-contract, additional charges not highlighted before signing up, poor after-sales service, punctuative exit penalties or roll-over agreements that stop you from giving 30 days notice at the end of the agreement.
Multi-Sector
Payment solutions for every business model
We’ve advised thousands of businesses of all types in a wide range of sectors including those below.
Reduce your payment processing fees when taking payments in-store and when you sell your products online.
Whether your retail business sells in-store, digitally or both, Merchant Savvy is here to find flexible and low-fee payment solutions for retailers.
Our payments experts can secure you lower card processing rates for payments taken on card machines, EPOS systems, ecommerce platforms and payment gateways. We can also help you get set up with the right hardware or switch suppliers.
From bars and pubs to hotels and restaurants. We can lower your fees on all types of card terminals (countertop, mobile and portable) as well as integrated EPOS systems.
We’ve helped hundreds of new and established hospitality businesses reduce their card processing fees and find the right card machines. Cut down on fees, reduce the complexity of your contracts and find a payment partner that can scale with your business.No matter what digital platform you’ve built on (or plan to) we can secure very competitive rates for accepting card payments online.
Whether you’re a large multi-national brand looking to investigate if more competitive rates are possible, or a startup launching their online business, our payments experts can help. We can find a payment provider that can integrate with your existing set-up whilst lowering transaction fees and offering better contract terms. We can also help you get set up if you are just starting out. Ecommerce solutions are always evolving with advances in technology and changes in customer behaviour.Are you looking to accept credit cards for your small business and are not sure of the best solution? We get it.
Comparing providers and fees is time-consuming and confusing. That’s why Merchant Savvy is here.
Our payment experts will find you the lowest processing fees from a payment processor that is a good fit for your specific business. You can then focus on growing your business whilst keeping more of your hard-earned revenue.
If your business is struggling to get a standard merchant account and is deemed high risk you have fewer providers to choose from and are likely to pay higher card processing fees.
We can help you get approved for a reputable high risk merchant account provider providers and keep these fees to a minimum.
We’ve advised hundreds of businesses deemed high risk including travel agencies, debt management agencies, lenders and crypto exchanges.
Retail
Food & Beverage
Ecommerce
Small Business
High Risk
Retail
Retail
Reduce your payment processing fees when taking payments in-store and when you sell your products online.
Whether your retail business sells in-store, digitally or both, Merchant Savvy is here to find flexible and low-fee payment solutions for retailers.
Our payments experts can secure you lower card processing rates for payments taken on card machines, EPOS systems, E-commerce platforms and payment gateways. We can also help you get set up with the right hardware or switch suppliers.
Food & Beverage
Food & Beverage
From bars and pubs to hotels and restaurants. We can lower your fees on all types of card terminals (countertop, mobile and portable) as well as integrated EPOS systems.
We’ve helped hundreds of new and established hospitality businesses reduce their card processing fees and find the right card machines. Cut down on fees, reduce the complexity of your contracts and find a payment partner that can scale with your business.Ecommerce
Ecommerce
No matter what digital platform you’ve built on (or plan to) we can secure very competitive rates for accepting card payments online.
Whether you’re a large multi-national brand looking to investigate if more competitive rates are possible, or a startup launching their online business, our payments experts can help.
We can find a payment provider that can integrate with your existing set-up whilst lowering transaction fees and offering better contract terms. We can also help you get set up if you are just starting out.
Ecommerce solutions are always evolving with advances in technology and changes in customer behaviour.
Small Business
Small Business
Are you looking to accept credit cards for your small business and are not sure of the best solution? We get it.
Comparing providers and fees is time-consuming and confusing. That’s why Merchant Savvy is here.
Our payment experts will find you the lowest processing fees from a payment processor that is a good fit for your specific business. You can then focus on growing your business whilst keeping more of your hard-earned revenue.
High Risk
High Risk
If your business is struggling to get a standard merchant account and is deemed high risk you have fewer providers to choose from and are likely to pay higher card processing fees.
We can help you get approved by our trusted reputable providers and keep these fees to a minimum. We’ve advised hundreds of businesses deemed high risk including travel agencies, debt management agencies, lenders and crypto exchanges.Don’t take our word for it.
Here are some of our latest reviews on Trustpilot.
See more reviews on Trustpilot here
Excellent Honest Advice
Gavin was excellent, provided brilliant advice for us to update and make savings on our card terminals. Highly recommended.
Gavin was excellent, provided brilliant advice for us to update and make savings on our card terminals. Highly recommended.
Evan McPherson6 Sept 2022
Brilliant 5 Star Company
Sometimes you just stumble across a company which is absolutely brilliant and Independent Merchant Services is one of those. They really are a 5* and ‘must go to’ company!
Sometimes you just stumble across a company which is absolutely brilliant and Independent Merchant Services is one of those. They really are a 5* and ‘must go to’ company!
Sentinel Aviation Ltd13 Jan 2022
Excellent rates
I approached IMS as I had a 33% hike in fees in two years from Worldpay. don’t deal with cold callers. They asked a few questions about the business, gave two recommendations on new providers of which I chose the slightly more expensive one. I achieved a 2/3 reduction in fees. Great service throughout.
I approached IMS as I had a 33% hike in fees in two years from Worldpay. don’t deal with cold callers. They asked a few questions about the business, gave two recommendations on new providers of which I chose the slightly more expensive one. I achieved a 2/3 reduction in fees. Great service throughout.
Sara Hoare3 Apr 2022
Excellent Integrity
The recommendation that came back was that we are already on a competitive deal with our existing provider. This is a good indicator that the advice given is impartial and trustworthy.
The recommendation that came back was that we are already on a competitive deal with our existing provider. This is a good indicator that the advice given is impartial and trustworthy.
Paul Sweeting13 April 2022
Wish I had found this company sooner
Extremely helpful in finding a provider that suited my business and cut my costs dramatically. In one phone call Gavin gave me all the facts and figures. Would highly recommend. Wish I had found this company sooner.
Extremely helpful in finding a provider that suited my business and cut my costs dramatically. In one phone call Gavin gave me all the facts and figures. Would highly recommend. Wish I had found this company sooner.
Sophie9 Feb 2022
Excellent company to help any company through the minefield of what’s on offer
Darren is definitely the man to go to. He gives a full understanding of the best offers available and it has been our pleasure to work with him for our company's advantage.
Darren is definitely the man to go to. He gives a full understanding of the best offers available and it has been our pleasure to work with him for our company's advantage.
D Hunt18 May 2022
100% recommend – top service from everyone
After hearing so many horror stories about companies not keeping the promises and not backing up the talk with action. I can say that Gavin has been amazing. This was been the easiest money saving exercise I have done for a long time. Thanks one and all!
After hearing so many horror stories about companies not keeping the promises and not backing up the talk with action. I can say that Gavin has been amazing. This was been the easiest money saving exercise I have done for a long time. Thanks one and all!
M Prin30 May 2022
Great communication. No pushy sales tactics.
Great communication. No pushy sales tactics. A very pleasant and easy method of switching card suppliers without the hassleplus they're available after switching if you have any problems or concerns. A good company to deal with.
Great communication. No pushy sales tactics. A very pleasant and easy method of switching card suppliers without the hassleplus they're available after switching if you have any problems or concerns. A good company to deal with.
Afron1st March 2023
Fantastic experience
Fantastic experience! Gavin was approachable, knowledgeable and made the process of choosing a new merchant services provider really simple.He was even on hand after the selection process to help with further queries. Would highly recommend.
Fantastic experience! Gavin was approachable, knowledgeable and made the process of choosing a new merchant services provider really simple.He was even on hand after the selection process to help with further queries. Would highly recommend.
Sharon Ormston1st Dec 2022
Seamless and huge cost savings
From 1st contact with Roger the whole process was seamless. As a small independent business we need to control costs and on Roger's advice we saved a great deal of money and it was an easy process to change suppliers and we were guided through each step fantastically well. Couldn't recommend them highly enough.
From 1st contact with Roger the whole process was seamless. As a small independent business we need to control costs and on Roger's advice we saved a great deal of money and it was an easy process to change suppliers and we were guided through each step fantastically well. Couldn't recommend them highly enough.
Warren Brew24th Jan 2023
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Explore some of our resources
Browse our guides to learn about how to find a payment processor and how to increase your bottom line by reducing card processing fees and increasing sales.
Experience you can rely on
In 2022 we analysed over £1 billion in processing volume and growing every month.
Merchant Savvy consultants are experts when it comes to payment processing statement analysis.
We’ve advised companies across various industries, from retail to hospitality to crypto exchanges. While every solution is unique, Merchant Savvy’s aim is to save your business as much money on payment processing as possible.
Payment Solutions
Merchant Finance
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Merchant Savvy is a division of VUBO Ltd (Company Number 09017066).
Address: Spaces, 9 Greyfriars Rd, Reading, RG1 1NU.
