Quotes merchant savvy purple 250
Quotes merchant savvy purple 250
We Can Find The Best Card Processor For Your Business & Secure The Lowest Fees
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Compare competitive offers from the UK’s leading card payment providers.

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No multiple sales agents. No call centres. No referring your details.

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We recommend the best route to take and why.
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Reduce your card payment processing costs.
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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.

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.
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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 233 reviews and counting.

Paul SweetingQuotes stars 5 13 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.

Sara Hoare

Quotes stars 5 3 Apr 2022

Great service throughout

I approached IMS as I had a 33% hike in fees in two years from Worldpay. I 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.

Sentinel Aviation Ltd Quotes stars 513 Jan 2022

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!

Joanna Powell Quotes stars 529 Sept 2021

Professional and Straightforward

Gavin was amazing! Very patient, very straightforward, very professional.

He helped me find a more suitable card merchant that suited my growing business. Highly recommended.

EB Quotes stars 529 June 2021

Excellent Support & Customer Service

Darren was first class. He guided us through the whole process, always responded immediately to any queries and found us an excellent deal!

Leigh Andrew Quotes stars 525 June 2021

Competitive quotes and great customer service

Competitive quotes and great customer service with no pester pester hard sell. Take note over providers, this is how you win customers over.

Theresa Quotes stars 520 April 2021

Professional, courteous & a pleasure to deal with

I needed to change my credit card [processing] company as the contract was due to end so I called this company for some quotes. 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.

Ryan Ward Quotes stars 524 Feb 2021

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.

Sophie Quotes stars 59 Feb 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.

Matt Tillyer
Quotes stars 529 Apr 2022

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.

J Tomei

Quotes stars 515 Sept 2021

Very efficient and helpful. Excellent service. Nice and quick. 33% saving on future costs.

Caron Passmore Quotes stars 519 Nov 2021

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 respond to all emails. Thank you Darren.

James Quotes stars 519 Nov 2021

Very pleased

Very pleased with the deal I got through Darren would highly recommend him to anyone looking for a card machine.

Risa Quotes stars 525 June 2021

Extremely helpful in finding us the best deal

Darren was extremely helpful in finding us the best deal. He was efficient and personable. Based on my experience with him I would highly recommend this company.

Chris Quotes stars 527 Sept 2021

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.

Dot at Jessie Mac’s Quotes stars 54 Oct 2020

Excellent, jargon-lite advice!

I had already done some research before contacting IMS about card processing providers and thought I knew what might be the best option.

Roger was great, talked me through some options without too much jargon and took on board my comments and concerns. He then suggested a company that hadn’t even been on my radar but which offered a better deal than I’d seen and even got me a discount on the card reader. Excellent service, thank 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. 

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

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 2021
Merchant Savvy is a division of VUBO Ltd (Company Number 09017066).
Address: Spaces, 9 Greyfriars Rd, Reading, RG1 1NU.

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