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Compare payment processors and secure the lowest credit card processing fees for your business

It's as easy as 1, 2, 3

Get the most competitive payment processing quotes by email in 3 easy steps.

Step 1

Fill in our form and have a brief discovery call

Fill in our short form above and one of our payment experts will contact you to understand your requirements in more detail. You can also book a time for a call back if more convenient. 

Step 2

We’ll secure you the best rates from our network of providers

Once we have a brief discovery call with your we’ll get to work obtaining the best rates possible for your specific business. We’ll be the main contact in this process so you won’t need to deal with multiple providers.

Step 3

We’ll send you the best rates and recommendation

We’ll email you the best quotes we’ve secured allowing you to easily compare providers and savings. We talk you though the options and our recommendation f you proceed with any, we’ll support you throughout the contract.

Benefits of using us

Real choice

One source for 90% of the leading payment processors

We have access to 90% of the UK’s leading acquiring banks so we can find those most suited to your specific business needs.

Quotes are presented in a clear and straightforward structure making comparison between providers easy.

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Real savings

We can secure preferential card processing rates (often cheaper than going direct) 

Our buying power and long established relationships with merchant service providers mean we can secure you preferential card processing rates.

We’ll typically secure lower fees than those offered if you went direct to the same payment processor.

Single Point Of Contact

Avoid the hassle of dealing with multiple sales teams and relax whilst we secure you bespoke quotes

Once we understand your requirements we’ll be working on your behalf to find you the best payment processing solution. You will only need to deal with us until you make a decision on the best route forward. 

That means no annoying calls, texts, or emails from persistent sales agents at multiple companies.

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What you'll receive

Low 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 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 recommendations will be open, honest and unbiased so let us compare any offers you have with the rest of the market. Whilst we have our preferred payment providers, we are independent and have no allegiance to any of them.

Expert 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 over charged, 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.

Multichannel

We can reduce credit card processing fees on all payment channels

Save time comparing providers and access preferential rates.

Whether you want to accept payments in person, online or over the phone we can help you find the best solution for your business.

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In Person

Accept credit cards and digital wallets on card terminals right for your business

At the table with a portable machine connected via Wifi, Bluetooth or 3G

On the go with a mobile machine using a SIM card with 3G or GPRS

With a countertop terminal connected a phone line or broadband router

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Online

Browser-based checkouts for desktop, 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

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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)

Find The Best Card Processor For Your Business & Secure The Lowest Fees

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Compare preferential rates from the UK’s leading merchant service providers. Rates from as low as 0.27%.

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No multiple sales agents. No call centres. No referring your details. We are not a lead generation company.

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

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Back up support throughout the agreement with the provider you choose.

Payment Method Logos
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Compare preferential rates from the UK’s leading merchant service providers. Rates from as low as 0.27%.

icons8-checkmark (2)

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

icons8-checkmark (2)

No multiple sales agents. No call centres. No referring your details. We are not a lead generation company.

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Back up support throughout the agreement with the provider you choose.

Why Use Us?

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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. 

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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.

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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.
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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.

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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.
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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.

Warren Brew
24 Jan 2023
Read More
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.
Corrine Muir Interiors Ltd
15 June 2022
Read More
Fantastic!

Darren was fantastic from start to finish. He made the whole process very easy for us and answered all my questions. Would highly recommend.
Paul Sweeting
13 Apr 2022
Read More
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.
Sentinel Aviation Ltd
13 Jan 2022
Read More
Brilliant 5 Star Company

Sometimes you just stumble across a company which is absolutely brilliant and Independent Merchant Services is one of those. We have struggled for 7 months to find a Payment Provider that would service our company’s unique demands of small volume but very high transaction credit card amount. We must have been though 6 different payment providers and numerous emails and phone calls and constantly been rejected.

Independent Merchant Services achieved it in 5 days for us. They really are a 5* and ‘must go to’ company!

Matt Tillyer
29 Apr 2022
Read More
Thoroughly Recommended 5*

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.
Leigh Andrew
25 June 2021
Read More
Competitive quotes

Competitive quotes and great customer service with no pester pester hard sell. Take note over providers, this is how you win customers over.
Afron
1 Mar 2023
Read More
A good company to deal with.

Great communication. No pushy sales tactics. A very pleasant and easy method of switching card suppliers without the hassle plus they're available after switching if you have any problems or concerns. A good company to deal with.
D Hunt
18 May 2022
Read More
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.
Sara Hoare
3 Apr 2022
Read More
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.
Chris
27 Sept 2021
Read More
Good personnel and good systems

Gavin was extremely helpful throughout the process of assessing my companies payment needs across web, telephone and terminals. He took the time to explain lots of terminology to me, and he laid out pricing and options with different providers in a very transparent and comparable way.

He was there for advice along the way, as I negotiated between providers, and helped us get a great outcome that will be at least a 50% saving vs our previous package. Would recommend highly.

Theresa
20 April 2021
Read More
Professional, courteous & a pleasure to deal with.

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.
JSR Autos Ltd
8 March 2024
Read More
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?
Steve Patrickson
1 Feb 2023
Read More
Pleased that I contacted them!

Charges are lower and payment to my bank much quicker. Pleased that I contacted them!
CW
31 Oct 2022
Read More
Fabulous from start to finish.

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 🙂
M Prin
15 June 2022
Read More
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!
Sophie
9 Feb 2022
Read More
Wish I had found this company sooner

Extremely helpful in finding a provider that suited my business and cut my costs dramatically.I In one phone call Gavin gave me all the facts and figures. Would highly recommend. Wish I had found this company sooner.
Ryan Ward
20 April 2021
Read More
Amazing service from Darren! Highly recommend.

I came across this company through google, entered my details & specified what I was looking for and Darren Britcliffe called me almost immediately, he put me in touch with a payment processor which suited our business and we got signed up within the same week. I was very impressed with the service from Darren from start to finish! Would highly recommend.
Ann Davies
7 Feb 2024
Read More
Much better and cheaper

Much better and cheaper than our last provider and there’s always help from their customer services.
Zoe Chivers
2 April 2023
Read More
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
Paul Borthwick
19 Oct 2022
Read More
Real Human Help

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.
CW
31 Oct 2022
Read More
Fabulous from start to finish

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 🙂
KB
3 Jun 2022
Read More
Fantastic service from Gavin Brown.

He was so helpful and assisted us in saving an awful lot of money through reduced transaction rates. Absolutely worth a call to chat through your options. Thanks Gavin.
Caron Passmore
19 Nov 2021
Read More
Excellent rates

I now have a new payment provider with excellent rates saving me a great deal on my monthly costs. Darren was excellent at helping sort everything out. He was easy to contact and very quick to respond to all emails. Thank you Darren.
Warren Brew
24 Jan 2023
Read More
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.
Paul Sweeting
13 Apr 2022
Read More
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.
Sentinel Aviation Ltd
13 Jan 2022
Read More
Brilliant 5 Star Company

Sometimes you just stumble across a company which is absolutely brilliant and Independent Merchant Services is one of those. We have struggled for 7 months to find a Payment Provider that would service our company’s unique demands of small volume but very high transaction credit card amount. We must have been though 6 different payment providers and numerous emails and phone calls and constantly been rejected.

Independent Merchant Services achieved it in 5 days for us. They really are a 5* and ‘must go to’ company!

Chris
27 Sept 2021
Read More
Good personnel and good systems

Gavin was extremely helpful throughout the process of assessing my companies payment needs across web, telephone and terminals. He took the time to explain lots of terminology to me, and he laid out pricing and options with different providers in a very transparent and comparable way.

He was there for advice along the way, as I negotiated between providers, and helped us get a great outcome that will be at least a 50% saving vs our previous package. Would recommend highly.

Afron
1 Mar 2023
Read More
A good company to deal with.

Great communication. No pushy sales tactics. A very pleasant and easy method of switching card suppliers without the hassle plus they're available after switching if you have any problems or concerns. A good company to deal with.
D Hunt
18 May 2022
Read More
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.
Sara Hoare
3 Apr 2022
Read More
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.
Leigh Andrew
25 June 2021
Read More
Competitive quotes

Competitive quotes and great customer service with no pester pester hard sell. Take note over providers, this is how you win customers over.
Theresa
20 April 2021
Read More
Professional, courteous & a pleasure to deal with.

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.
Steve Patrickson
1 Feb 2023
Read More
Pleased that I contacted them!

Charges are lower and payment to my bank much quicker. Pleased that I contacted them!
CW
31 Oct 2022
Read More
Fabulous from start to finish.

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 🙂
M Prin
15 June 2022
Read More
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!
Caron Passmore
19 Nov 2021
Read More
Excellent rates

I now have a new payment provider with excellent rates saving me a great deal on my monthly costs. Darren was excellent at helping sort everything out. He was easy to contact and very quick to respond to all emails. Thank you Darren.
Ryan Ward
20 April 2021
Read More
Amazing service from Darren! Highly recommend.

I came across this company through google, entered my details & specified what I was looking for and Darren Britcliffe called me almost immediately, he put me in touch with a payment processor which suited our business and we got signed up within the same week. I was very impressed with the service from Darren from start to finish! Would highly recommend.
Zoe Chivers
2 April 2023
Read More
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
CW
31 Oct 2022
Read More
Fabulous from start to finish

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 🙂
KB
3 Jun 2022
Read More
Fantastic service from Gavin Brown.

He was so helpful and assisted us in saving an awful lot of money through reduced transaction rates. Absolutely worth a call to chat through your options. Thanks Gavin.
Sophie
9 Feb 2022
Read More
Wish I had found this company sooner

Extremely helpful in finding a provider that suited my business and cut my costs dramatically.I In one phone call Gavin gave me all the facts and figures. Would highly recommend. Wish I had found this company sooner.
Matt Tillyer
29 Apr 2022
Read More
Thoroughly Recommended 5*

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.

Don’t take our word for it. 

Here are some of our recent reviews on Trustpilot.

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.

Copyright © ALL RIGHTS RESERVED 2023
Merchant Savvy is a division of VUBO Ltd (Company Number 09017066).
Address: Spaces, 9 Greyfriars Rd, Reading, RG1 1NU.

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