Merchant accounts

We can get you up and running with one, for free.

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Banner Merchant Account
Accepted card payments

What is a merchant account?

If you want to take card payments, you’ll need one.

It's different to a normal bank account, sitting between your business bank account and your customers’ account. It safely holds the funds while they’re being processed.

Once it's been checked that there's enough money in the customer’s account, the funds are released from the merchant account, to be transferred into your bank account.

We can help you get set up through one of our acquirers, such as Barclaycard. And it’s free! It's included as part of our service of getting you set up to take card payments.

Process safe, secure payments

In a nutshell, think of a merchant account as a kind of holding-pen.

It's a secure place for funds to sit while the customers' bank checks to make sure the customer has enough money in their account to make payment to you safely, and securely.

Speak to us today to find out more about merchant accounts and how one could help your business.

Get your FREE quote.

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Ways to take card payments.

Move3500 Mobile Machine

Face to face

Accept card payments face to face, around your premises or on the go.

Countertop - take payments at the till Portable - serve your customers at their table Mobile - process payments on the go
Online payments on tablet


We've a few different options when it comes to online payments.

Payment gateway - accept payments through your website Pay by link - take payments through email Virtual terminal - take phone payments
12 Month

Short 12 month contract

We don't tie you into long contracts - ours are one of the shortest out there.

No Charge

No set up or exit fees

There's no set up fee, or a fee to leave at the end of your contract.


Dedicated consultants

They'll get a real understanding of what you need.


Personalised pricing

Get a made to measure pricing package for your business.

What makes us different?

At takepayments, we know merchant services. We’ve been helping people with card payments for over 25 years and are dedicated to helping small, independent businesses grow.

That’s why we’ll create you a personalised pricing package that’s right for you.

Our payment consultants are local to your area, and will come and visit you to get to know your business. They’ll make sure that they understand how your business works and how you want to take card payments. They will then tailor-make a plan around what you need.

We offer a short 12 month contract – currently one of the shortest out in the payments market, and we don’t charge any set up fees or exit fees when you leave at the end of your contract.

Our support team is based in the UK and available 7 days a week if you have any questions. 

We’re regulated by the Financial Conduct Authority for consumer hire too.  

Legends The Sandwich Shop Counter

Accept card payments
with a merchant account.

Get a free quote
Pony Patch Staff Working With Horse

New to card payments?

We'll help you every step of the way. Get in touch and find out how.

Find out more
Estilo Hair Staff And Customer

Switching providers?

See if we can save you money with our personalised pricing packages.

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See how accepting card payments benefited Simon.

I found it very easy once we decided to go ahead and take card payments. For so long we didn't take cards, but once we did, it built the business even more.
Legends The Sandwich Shop Outside

Simon Crawley

Legends the Sandwich Shop

Frequently asked questions.

Do I only need one merchant account for my business?

This will depend on a few different things. If you have a number of different premises, you’ll need one merchant account for each location. So, for example, if you’ve a shop in South London, and one in East London, you’ll need two.

You can have a number of card machines at each of these shops though. So if you only have one shop in West London, which has four card machines, you’ll only need one merchant account.

If you’re taking payments online, you’ll need a merchant account just for these payments, even if you already have one for a physical shop. And if you want to take payments over the phone, or by email, you’ll need another one to process these.

Don’t worry if this has you a bit confused! Our payment consultants will be able to explain exactly what you need and help you get set up.

It’s free to set up a merchant account. As you need one to accept card payments, it’ll be set up for you as part of your card processing solution.

You can’t accept credit cards without one. Or debit cards! It’s as simple as that!

You might have also heard this be called a Merchant Identification Number, or MID. It’s a code that’s assigned to you once your merchant account is approved and live.

 3 to 5 days is pretty standard, but we offer next day settlement too.* Speak to us to find out more.

We're merchant card services specialists. A merchant account is usually set up by your payment processing provider. At takepayments, we’ll get you set up through one of our acquirers, including Barclaycard. 

We make it easy.

Get a free quote

*This service is available to takepayments Limited customers who are accepted for Barclaycard acquiring services and is subject to Barclaycard’s approval. Next day settlement refers to the next banking day. Your card machine’s banking window function must be performed before 8:30pm in order to receive settlement the next banking day. Transactions processed via Ecommerce pay pages, pay by link and virtual terminals may be subject to different settlement timescales.

Takepayments Barclaycard