About Us

We help UK businesses just like yours secure the most competitive credit card processing rates.

Payment processing is complicated, but it doesn’t have to be. We take the hassle out of comparing payment providers and negotiating card processing fees. 

Whether you’re taking payments face-to-face, over the phone or online you will receive recommended payment providers for your specific business and very competitive rates negotiated on your behalf.

No sales agents. No call centres. No referring your details. Just unbiased advice and competitive rates.

We have established relationships with all the major merchant acquirers and leading payment specialists. These relationships, together with the number of businesses we advise each month, means we can typically secure very competitive rates that you could not achieve going direct.

We help all types of businesses from those new to card payments to those transacting over £50M per year and looking to switch providers. 

What we do in a nutshell:

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Enable you to compare competitive offers from the UK’s leading card payment providers from one source.

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Reduce your card payment processing costs.
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Give you expert advice on the best payment solution route to take and why.

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Give you access to 90% of the UK’s leading acquiring banks to make an informed decision.

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Support you throughout the agreement with the provider you choose.

Payment Experts

If you fill in our quote request form you will be helped by one of our payments experts such as: 

Roger Milne

Roger established Independent Merchant Services in 2012 after going through the frustrating process of trying to compare costs and providers. He wanted to offer businesses a bespoke service where they were spared the hassle of dealing with multiple call centres, pushy sales agents all trying to sell their “deal”, confusing pricing models and additional charges hidden in the small print.

He leads the team dealing with all merchant service enquiries received through Merchant Savvy.

Darren Britcliffe

Darren has worked in the industry since 2009 when he started at Worldpay. 

He subsequently held sales positions at Mainline Payments and Payzone before joining Roger’s team in 2018. 

Gavin Brown

Gavin has worked with us since Jan 2019 and is now a veritable expert in payment processing.

He is building a very impressive list of glowing client reviews. 

How does Merchant Savvy make money?

If you sign up with one of the payment service providers we have secured quotes from on your behalf we will receive a small commission from the payment service provider. Our service is free to all businesses that use us. 

A very small proportion of our revenue also comes from referral links on the website. We get paid a small commission when a website visitor follows a referral link on Merchant Savvy and subsequently signs up for a service or buys a product on the companies own website. We have some referral links to finance companies, card readers (i.e. Square) and business bank accounts.

Editorial policy

Any reviews we publish are editorially independent and are in no way influenced by any commercial relationships we may have.