Compare preferential card processing fees from the best payment processors for your business
Compare preferential card processing rates from trusted merchant account providers for UK SMEs
Lower rates than going direct.
Compare preferential payment processing rates from the tried and trusted merchant account providers.
Access 80% of the UK’s leading merchant account providers from one source without the hassle of dealing with incessant calls & emails.
Independent expert advice and quote comparison. No multiple sales agents. No call centres. No email spam.
Compare preferential rates from the UK’s leading merchant service providers. Rates from as low as 0.27%.
Access 90% of the UK’s leading acquiring banks to make an informed decision.
No multiple sales agents. No call centres. No referring your details. We are not a lead generation company.
Back up support throughout the agreement with the provider you choose.
Why Use Us?
Lower Card Processing Fees
Our buying power and long established relationships with merchant acquirers and merchant service providers mean we can secure you preferential rates.
Our main objective is to help you secure the best deals from tried, tested and approved card payment processors.
Market Access
We have access to 80% of the UK’s leading merchant acquirers. All card payment processors we recommend have been approved by us for great service and competitive offers.
Expert Advice On Contracts & Hidden Fees
Independent & Unbiased Advisors
Peace Of Mind
Privacy Pledge
Here are some of our latest reviews from businesses that we’ve helped
See more reviews on Trustpilot here
Excellent service - narrowed down suitable options for us to consider to two. We are very pleased with our new provider and would recommend Independent Merchant Services to provide truly independent comparisons - and for free! What is there not to like?
Roger and team are simply excellent in guiding you through the cesspool of payment providers, promising one thing and getting you to sign up to another. Genuinely knowledgable and refreshingly independent.
Roger managed to not only negotiate better than I could, he led me through the process, especially with regards dealing with the dreaded compliance nightmare.
Great, old-fashioned honesty and straightforward, easy communication, throughout. I recommend this company unreservedly.
Darren was fantastic from start to finish. He made the whole process very easy for us and answered all my questions. Would highly recommend.
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.
Darren Britcliffe was a pleasure to deal with from beginning to end. Listened to my requirements, understood which solution would fit my business needs the best and followed up all the way through.
Thoroughly recommended.
It was good to be able to talk to someone about our business and what we needed from a payment system. They were then able to advise us and put us in touch with a suitable company that offered really helpful customer support for a small business.
It was great to be able to talk to the same person rather than being passed around to different people who didn't really understand our situation and requirements.
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!
Much better and cheaper than our last provider and there’s always help from their customer services.
Darren explained the role that he plays and arranged quotes which showed significant savings compared to current provider. It was then easy to accept and change provider.
Gavin was excellent, provided brilliant advice for us to update and make savings on our card terminals. Highly recommended.
Not only were they able to get me a great deal, the service was fantastic from start to finish and Roger was always at the end of the phone to answer any of my questions.
I definitely recommend – Roger you were a great help, thank you.
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.
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.
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.
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.
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!
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.
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.
FAQs
Yes. We’ll typically need to have a brief call in order to get the lowest bespoke rates for your business.
We appreciate many people want instant quotes but there are several factors that need to be discussed and confirmed first. It saves so much time doing this over the phone and it will enable us to find you the best solution and most competitive rates for your unique business.
If you speak to us once you will avoid having to speak to multiple providers and give the same information over and over again.
We should be able to give indicative rates on this first call and also give general advice on which providers we’d recommend for you and which to avoid. We’ll then follow up by email with the best rates we’ve secured for your business.
We will ask you questions to get an understanding of your business, your current set-up, the card payments currently or expected to be received in a typical month (volume, ave value, type etc) and payment requirements for the future.
Your answers may trigger other questions from us so it is much quicker to do that over a quick call than via email or on a form.
We use our group buying power to get better rates than a single business would achieve on its own, and we are confident we can achieve much more competitive rates than most business owners can by going direct.
The market is always changing and we are usually the first to hear about the genuine latest offers from the major payment processors. In the unlikely event that you have a better deal, let us compare like for like. We don’t like to be beaten.
No. The contract is always with the Payment Service Provider. We are a non-contractual third party negotiating on your behalf.
Yes. Our payment experts could be classed as merchant services brokers. We are not tied to any acquiring banks or providers and have the expertise and connections to secure preferential card processing rates for your business. We’ll remain your main point of contact throughout the process.
Yes. Just send us a recent statement from your current provider or any quotes you have already received and we will independently review contractual terms and conditions and advise you of any potential pitfalls such as :
- Set up fees
- Authorisation fees
- PCI compliance charges
- Non Compliance Fees
- Minimum Monthly service charges
- Premium charges
- Moto additional charges
- Contract termination penalties
- Length of the contract
- Contract renewal rollovers
Because this is all we do 40 hours a week and we like to think we know about merchant services as well you know about your own business. If we can’t make genuine and real value savings then we will tell you.
If you sign up with one of the providers we recommend to you we receive a small ongoing commission.
We will not charge you for our services and we never sell your details.
Let us answer questions you have about payments, providers, your current setup, and cost reduction. After the consultation, we will then prepare a proposal outlining the best solutions for your unique business, and help eliminate most fees associated with accepting payments
Your contract is with the merchant service provider so your first port of call is their customer support team.
However, in the event they are unable to resolve your issue(s) to your satisfaction, we ask you to report the complaint to us. We will step in to try and help you resolve the matter.
Yes. We have high risk providers that can offer competitive rates and terms of settlement that are more appealing than can be offered from mainstream card payment providers.
Don’t waste your time completing applications with mainstream acquiring banks that will simply decline your application, offer poor rates or apply restrictions and deferred payments.
If your company operates in any of the categories below then contact us to discuss your options:
- Crypto Currencies, Bitcoin transactions
- Peer to Peer lending
- Forex
- Remittance
- Alcohol
- Affiliate Marketing
- Tobacco & E-Cigarettes
- Nutraceuticals
- Airline, Travel, Tourism & Lodging
- Debt Management & Collection Agencies
- Payday Loans Merchant
- Gambling Merchant
- Foreign Exchange
- Private Clubs
- Dating & Escort Services
- Adult Entertainment
- Timeshares & Holiday Clubs
- Tech Support
- Charities
- Monthly Membership
- Subscription Services
- Insurance
- Jewellery
- Stamps & Coins
- Software
- Advertising Services
- Online Auctions
- Events & Tickets
All merchant service enquiries and quote requests generated via Merchant Savvy are dealt with exclusively by Independent Merchant Services (IMS). Merchant Savvy is used as a marketing channel for IMS.
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Merchant Savvy is a division of VUBO Ltd (Company Number 09017066).
Address: Spaces, 9 Greyfriars Rd, Reading, RG1 1NU.
