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What is a merchant account?

Basically, every business that takes cards has to have a merchant account between the customer’s bank account and their own. And depending on how you’re going to take card payments, you may need more than one, but don’t worry we’ll sort all that out for you - in a jiffy. And best of all, it’s free.


We have loads of ways for you to get paid

Card machines

We’ve a terminal to suit you.

  • Countertop take payments at the till
  • Portable take the card machine to your customers
  • Mobile take card payments on the go


card machine

Payment gateway

More ways to pay.

  • Pay online
  • Pay by phone
  • Pay by email


payment gateway

Keep your payments rolling in

Card transactions seem simple, but are actually pretty complex. That’s where a merchant account comes in. It’s different to a business bank account or personal bank account (if you're a sole trader) and if you want to accept card payments, you have to have both. The merchant account acts a bit like a middleman between you and your customers. When they make a payment, it checks there’s enough funds in their account, takes the money, holds it while the process completes, then drops it into your bank account 3-5 business days later. Get in.


Merchant accounts - how many will I need?

Depends what you’re doing really. If you’re taking card payments with a card machine, you’ll need one  for each location you’re taking payments but you can have multiple card machines at each site.

For online payments it’s a bit different. You’ll need an merchant account for online payments (even if you already have one for a physical shop) and you’ll need a different one if you want to accept payments by email or phone, or both.

But don’t get hung up on the numbers. We’ll look at your whole business, figure out the best and most efficient solution for you, explain it, agree it with you, and set it all up for nothing. We’re nice like that.

1. One shop and one card machine = one account
2. One shop and five card machines = one account
3. Three shops and three card machines = three accounts
4. Online shop = one account (even if you also have one for a physical shop)
5. Phone or email payments = one account

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card payments

Why choose Paymentsense?

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Ready for anything

Need some help? Our team are available 24/7. They’re a friendly bunch whose mission is to make things easy for you.

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Integrated payments

Sounds boring, but it’s not (promise). It lets your card machine and till talk to each other for simpler sales – and we’re the only ones offering it at no additional cost.

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Strength in numbers

What do you get when you combine the power of 70,000 small businesses? Better rates. It’s no joke – we use our size to negotiate with the banks and pass the savings onto you.

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Quick as a whip

We know time is money, so we never waste yours. Get your new Chip and PIN machine up and running in as little as 3 business days. Boom.

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We hate to boast. So we let our customers do it.

Another really decent thing about being with Paymentsense is the fact I can now get paid through email, over the phone and on my website.

Simon White
Simon White Plumbing

I have a link from our secure online terminal so customers can pay online - taking card payments straight on the website, which has increased sales.

Gary Lee
Green Leevs Garden Centre

Extras that make all the difference


PCI phone validation

Sort out your PCI compliance with a simple phone call.

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Automated receipt rolls

Never run out of receipt rolls again with our automated delivery service.

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Performance reports

Get a snapshot of your week sent straight to your inbox.

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Switching providers

We currently help over 70,000 businesses. And we can help you too.

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