Debit and credit card processing made easy
If you're not set up to take card payments, you could be missing out on sales. We've a range of card payment solutions to suit all different types of businesses. Our team can help you find the right solution for your business and will hold your hand throughout the process.
Whether you're new to card payments or would like to switch providers, we make credit card processing easy for small businesses.
Debit and credit card processing made easy
If you're not set up to take card payments, you could be missing out on sales. We've a range of card payment solutions to suit all different types of businesses. Our team can help you find the right solution for your business and will hold your hand throughout the process.
Whether you're new to card payments or would like to switch providers, we make credit card processing easy for small businesses.
We make it easy...
There’s no one-size-fits-all. One of our specialists can visit your business and find you our best solution.
Our Welcome Team will get you transacting quickly and confidently and will be there if you've any questions.
It’s your money, so why wait for it? Keep your cash flow moving with next day settlement.
Your transactions could be looked after by Barclaycard, one of the most trusted brands in the payment market.
Our card machines:
Take your card machine to the next level.
- Safe, secure card and cash transactions
- Realtime reporting on screen
- Easy set up
Countertop
Great for serving customers from one place.
- Small, compact design
- Connect by broadband or phone
- Fast receipt printing
Portable
Take payments around your shop floor.
- Small and lightweight
- 50m range via Bluetooth or WiFi
- Long battery life
Mobile
Accept payments on the move.
- Built-in GPRS SIM card
- Connect anywhere there's 4G signal
- Long battery life
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There are lots of benefits to processing credit cards
- It's more convenient - most people have a card and want to pay by card, rather than carry cash.
- Speed up your service - tap and go contactless payments (currently up to £100) means you can process a card transaction speedily, to keep those queues down.
- Customers are more likely to make more spontaneous purchases on card, as they're not limited to the money they have in their pocket.
- Wipe-free machines and contactless payments help provide peace of mind.
At takepayments, we're here to help make things easy. We can help you get up and running taking cards. Get in touch to see how we could help your business.
What is card processing?
In super simple terms, credit card processing is how a card payment is made. There are different parties that need to communicate before your business receives payment. The good news is, it's all done for you. Let's have a look at how it works with a card machine.
It starts when a customer wants to make a purchase with you (a merchant). They'll tap their card on your machine to pay with contactless, or pop the card into the machine if they want to pay by chip and PIN.
Then, usually, the machine will contact the payment processing company (Barclaycard, for example), who will forward the transaction to the customer's bank to check they have the funds.
If it's all ok, the payment is authorised and the transaction is completed, and the money will be sent to your business bank account. With Barclaycard as an acquirer, the money could be in your account the next working day*, but some other providers could take longer.
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Card processing fees
There are several fees you will have to pay for processing card payments.
The main ones to consider are:
Transaction fees – these are charged by the acquirer (the bank or financial institution that processes credit or debit card payments) for every transaction made by card and vary between credit card and debit card payments. At takepayments, we'll arrange for this to be tailored around your business.
Rental fees – you can rent your card machine from a company, like us at takepayments, and for this you'll usually be charged a monthly fee.
Minimum monthly service charge – merchants often have to pay a minimum charge if their transactions are below a certain amount in a month. This is charged by the acquirer.
Set up fees – we won’t charge you any fees to set up your account and get you started with taking card payments, but other providers may.
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Terms and conditions apply.
Businesses will be required to enter into and maintain a separate contract with an acquiring bank nominated by takepayments for the processing of the card transactions. Under the contract with the acquiring bank, transaction charges and other fees will apply.
*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.
