Compare the UK's leading Card
Payment Providers and Prices
Independent Advice on Merchant
Accounts, Chip and Pin Terminals and
Online Card Payments
Merchant Services
Every month, we receive hundreds of enquiries from merchants looking for the best card payment solutions, the keenest rates, and the most reliable after-sales services for their business.
From start-up businesses and limited companies, to businesses that transact tens of millions of pounds in card transactions per year, we offer free, independent advice on the best route for card payments.
You may have already discovered that you are not short of choice when it comes to merchant services, so why not let us help you through the minefield of the contractual small print, mis-leading pricing, and additional charges.
Find the best deals, lowest rates, shortest contracts, most reliable terminals and the most cost-effective ways of accepting all types of card payments for your business...
From virtual terminals, to secure online payment gateways; find the most competitive rates from the leading PCI DSS compliant online payment processors, so your card payment costs are as low as possible...
When did you last review your card payment costs? We can review your current charges, what the market is currently offering and how much you could be saving... No charge and no obligation!
Low prices, short contracts, best terminals, the UK's leading payment providers
When it comes to merchant services, there is an overwhelming amount of choice in the market leaving businesses facing an information overload. Which offer is actually the best for your business?
We can advise either way and if they are one of our approved providers, you will also have the peace of mind that we will help you resolve any issues you may at anytime during the contract with that recommended provider.
We promise a no hassle, no sales spiel approach to your needs. You will get all of the facts in just one phone call so don’t sign a contract until you have spoken to us.
Get the facts and advice in one phone call
Payment Solutions
Which payment solution is right for you? Chip and Pin, Virtual Terminal, Payment Gateway, EPOS
The best deals
The lowest rates aren’t always the best deals. Find the best one for your business.
Contract or Pay As You Go
Short term contract, Long term contract or no contract at all!
All the legal bits
The small print, the hidden charges, the exit penalties.
Level of service
How good is the level of after sales service? We’ll be there to help resolve issues during your contract with the provider.
PCI Compliance
Avoid PCI non compliance and the penalties that go with it.
No hassle – No call centre – No charge – No catch – No obligation
Points You Need To Know
Lead Generation Websites
Lead generation companies are everywhere on search engines disguised as Comparison websites. They don't compare, they simply take your enquiry details and sell them to many card payment providers. So don't leave your details on these websites or else your phone will be bombarded by call centres trained to push their own products.
"Lowest Rates" Claims
Beware of the headline "lowest rates guaranteed" claim. This can hide a multitude of costs hidden in the rest of the contract. We are familiar with how many of the leading UK card providers work, the card rates, their after sales service and the detail of their contracts.
Avoid High Street Banks
It may seem the obvious route for a merchant account but High street banks are not Merchant banks, and will simply pass on your enquiry to their partnered acquiring bank. This route is not recommended as the quotes are usually far from competitive. You should not choose them simply because you bank with them.
The "Small Print"
Remember you are dealing with banks so there’s no shortage of terms and conditions and a lot of "gobbledy gook." We read the small print to highlight any unfair additional fees or penalties. It's too late once you have signed the contract so let us independently advise on any potential pitfalls that may affect you.
Agents' Commissions
Some companies operate commission structures that reward self-employed sales agents with bigger commissions for charging higher rates.
Monthly Service Charges
All merchant accounts generally have a minimum monthly service fee. For merchants who only need to take the occasional card payment, this can add unnecessary costs to your monthly bill. Pay as you go may for smaller merchants be a better route to take even though the rates may be higher.
Compare Merchant Services
Every month hundreds of merchants use our services to discuss the best merchant account to make an informed decision on the right card payment solution to suit them.
We will give you all the information you need about merchant accounts in one phone call.
Our independence gives you full view of the merchant account market place, the widest choice of providers, the most favourable contracts, and keenest rates.
We stand by you all through your contract with outstanding back up after sales support should you need it.
Get the most competitive deals on Merchant Accounts with the major UK acquiring banks for merchant services.
Why use Independent Business Solutions
- We are 100% Independent
- We arent a lead generation website
- We won't sell your details on to anyone
- We do not charge for our services
- We will save you time, money, and hassle
- We will give you the facts you need to know
- We promise to stand by you through your
contract with the approved providers
We are rated as Excellent
Unrivalled support
Most card merchant companies seem to be full of overly pushy salesman eager to do anything to close the deal, often without disclosing crucial hidden charges.
Independent Merchant Services provided unbiased help and support on choosing the right one to suit our business needs. So thankful we chose to give them a call!
I had a dilemma for weeks which card reader provider to choose after getting 3 quotes and reading lots of mixed reviews online.I am setting up a business for the 1st time so have a lot to learn and I am extremely cautious who to sign the contract with.The more reviews I read the more unsure I was. All I needed was to get an honest independent, unbiased advice from somewhere. During one of my online browsing I came across Independent Merchant Services and contacted them. I spoke to Roger and discussed with him my obtained quotes asking for advice.Roger was extremely helpful. He understood my reservations and concerns about hidden fees etc., answered all my questions and explained what I should be looking for.This has helped me enormously to make the best choice for the type of business I am starting. Almost immediately I received an email from Roger with a summary of a deal specifying all the rates and fees. Following Roger's advice I felt well informed and much more confident to make my choice.I would highly recommend Independant Merchant Services to anyone starting a new business and looking for advice.Many thanks Roger!
I'm starting a new business which needs a card reader. My bank recommended a company who I nearly went with until Geoff from IMS got in touch and gave me some advice and quotes. It turned out I was getting ripped off by my bank's recommendation and there were much better deals out there. Thanks to IMS I ended up with a very good deal.
I could not have done this without the help of Chris Day , such a lovely guy nothing was too much trouble for him, ive passed his details over to all my business contacts who are starting to look for chip and pin /merchant services,
Explained all the options and which would suit my business best, talked me through everything.
Fantastic service from Roger, helped us choose the best terminal for our business with the cheapest rates possible. Very quick, efficient and was our port of call throughout the process. Received the terminal very quickly. Highly recommended.
Finally, an independent company that are knowledgeable and give you competitive options with the back up of excellent customer service. They bent over backwards to help our small business. Would definitely recommend and will always use in the future.
It is a pleasure to be able to write a review in praise of the service provided. Roger, his team and their partners have exceeded expectations when it comes to service delivery, responsiveness and driving economies of scale for the small business owner, without compromising on the services recommended or products supplied. Open, honest and volunteer information, which may have been overlooked by business owners when reviewing packages. A company with a conscience and values to which they live up.
Thank you Roger for all your support. When everyone else turned us down, against all odds, the advice and support from Independent Merchant Services and Roger, in Particular, helped us get a Merchant Account within 2 weeks. Really appreciate the handwork. Many thanks
Very highly recommended
Making enquiries these days can open up a gateway of high pressured sales advisors who keep pestering you. NOT with Chris Day at Independent Merchant Services, he handled my enquiry so professionally and provided honest advice about pricing and services available. He also followed up when he said and didn’t bother me in between times.
Chris comes highly recommended and IMS are very competitive. Well worth getting in touch with these guys.