Compare payment processors and secure the lowest credit card processing fees for your business
Find The Best Card Processor For Your Business & Secure The Lowest Fees
Compare preferential rates from the UK’s leading merchant service providers. Rates from as low as 0.27%.
No multiple sales agents. No call centres. No referring your details. We are not a lead generation company.
Access 90% of the UK’s leading acquiring banks to make an informed decision.
Back up support throughout the agreement with the provider you choose.
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?
Preferential Rates
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 90% of the UK’s leading acquiring banks. All card payment processors we recommend have been approved by us for great service and competitive offers.
Expert Advice On Contracts & Hidden Fees
Contracts may come with hidden charges and clauses, some with exit penalties. We are happy to thoroughly check any provider’s contractual terms and conditions and advise of any potential pitfalls and suitable alternatives.
Independent & Unbiased Advisors
Our advice and recommendations will be open, honest and unbiased. Whilst we have our preferred payment providers, we have no allegiance to any of them.
Our business relies on referrals and recommendations, we want you to be impressed with what we can do for you so you will in turn recommend us to your colleagues.
Peace Of Mind
If you choose one of our approved providers, you have the peace of mind that we are available at any time during your agreement to help resolve any issues you may have.
Privacy Pledge
Your privacy matters to us. So does your sanity. We pledge not to sell or share your information to lead generation companies or spammers. You’ll only deal with us. That means no annoying calls, texts, or emails.
Don’t take our word for it.
Here are some of our recent reviews on Trustpilot.
See more reviews on Trustpilot here
Don’t take our word for it.
Here are some of our recent reviews on Trustpilot.
Excellent service
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?.
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?.
JSR Autos Ltd01 March 2024
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 Brew24 Jan 2023
Extremely helpful in getting us the best deal
Extremely helpful in getting us the best deal, also checked after we was set up to ensure all was ok.
Extremely helpful in getting us the best deal, also checked after we was set up to ensure all was ok.
Zoe Chivers2 April 2023
Brilliant 5 Star Company
Fabulous from start to finish. Darren was very knowledgable - he listened and clearly took on board our long list of requirements as he sourced the perfect payment solution for us. He kept us up to date and when we had one issue that needed sorting came back to me almost immediately and dealt with it. Will definitely be recommending. Thank you Darren 🙂
Fabulous from start to finish. Darren was very knowledgable - he listened and clearly took on board our long list of requirements as he sourced the perfect payment solution for us. He kept us up to date and when we had one issue that needed sorting came back to me almost immediately and dealt with it. Will definitely be recommending. Thank you Darren 🙂
CW31 Oct 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
Competitive quotes
Competitive quotes and great customer service with no pester or hard sell. Take note over providers, this is how you win customers over.
Competitive quotes and great customer service with no pester or hard sell. Take note over providers, this is how you win customers over.
Leigh Andrew25 June 2021
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 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 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
Previous
Next
See more reviews on Trustpilot here
FAQs
Yes. We’ll typically need to have a brief call before providing quotes (although sometimes we can do everything via email). 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.
Services
About
Guides
Merchant Finance
Advice & Quotes
Copyright © ALL RIGHTS RESERVED 2024
Address: Spaces, 9 Greyfriars Rd, Reading, RG1 1NU
Company Number: 09017066
