Trust Pilot 5 star review

Rated Excellent on Trustpilot

Clear, Impartial, and Unbiased

Make an informed decision

Trusted by thousands of business owners who have used our free service to access competitive merchant service rates

Why Use Us

Whern it comes to Card payments market there's no shortage of providers and comparison sites. Share your data and you will be bombarded with pushy sales calls, endless emails, and you may get what looks like a good price, but it's not neccessarily the full picture.

Key details are often buried or missed, things like hidden fees, contract terms, rate increases, and exit penalties.

We started in 2012 to change that. We give business owners the facts and choices, not the sales pitch. We handle hundreds of enquiries each month and we guide you to the most suitable options, and let you choose without pressure. Our scale, over £1 billion in annual card turnover, unlocks rates you won’t get by going direct to the providers. Put us to the test!

Pitfalls to watch out for

Its not just the debit and credit card fees that make the offer competitive or not, here are some of the other factors you need to know

Contract Length - Is that for Terminal hardware or the card processing

Contract Roll-over - You may have one month window to cancel 

Rates fixed - Are they fixed for the contract length (subject to interchange) 

Rates - Are they blended or interchange plus a processing margin

Ancilliary charges - Online reporting tools

Monthly service charges - Not suitable for seasonal businesses

Cardholder not present - Is there an additional uplift %  

Authorisation fees - Is there a pence charge per transaction

Settlement Terms - Is it deferred settlement or in your bank next day

After sales support - Check out the reviews on Trustpilot

Exit penalties - some charge an exit penalty even at the end of the agreement


These are some of the points which can be very relevant to business owners. We now receive hundreds of card payment enquiries every month, and our role is to understand what the business owners want and guide them through the process of sourcing the best most suitable options, quickly easily and without the hassle.

You will have direct access to over 90% of the UK's leading payment providers, all are tried trusted and approved by us and thousands of other business owners. 

Over the last 14 years, thousands of business owners have used our services, and this purchasing power (over a billion pounds annually) means the providers will offer exclusive and improved rates that they would not offer if you approached them directly.

Not only that but we are always one phone call away in the event that you have an issue with any of our approved providers. So put us to the test!

Start your comparison here

Compare & Save Now

Unlike comparison websites we dont sell your data.

Peace of Mind

“Act in Haste and repent at your leisure” is the old saying, but with our tried, trusted, and approved providers, you will always have us one call away (and no more than a few rings of the phone) to help in the unlikely event you have an issue with any of our payment providers.

We handle hundreds of card payment enquiries each month, so (with respect), our voice is a lot louder than that of one business on its own, and we are always happy to step in to help resolve the issue. We want you to have the peace of mind that you are paying competitive rates with one of our many trusted payment providers, leaving you to get on with running your business.

Benefit from our purchasing power

Sieving through copious numbers of sales calls, pitches, quotes and then emails including small print is confusing, and time consuming, so if you want to make an informed and accurate choice of payment provider, then take 5 minutes to speak to us to discuss the card providers, their “headline” pricing, and what they are actually charging you.

We are happy to thoroughly check any provider’s contractual t’s and c’s and advise you of any potential pitfalls which may negatively affect you during the life of the proposed contract and recommend alternatives that may be more suitable to you.

Why it Works

We have no allegiance to any of the approved providers, but as long as they offer you the best services, products, prices and contracts throughout your time with them, that’s good enough for us!

We are just as keen as you to find the best deals for you. If we can help you find the best offers, then you sign up with them and get a great deal, the provider gets a new customer, and we receive a small introduction fee from them.

We handle thousands of enquiries a year and therefore have the buying power, influence and knowledge of the card payment industry to ensure the banks “sharpen their pencil” when it comes to pricing.

If they don’t offer you the cheapest card processing rates, then you don’t sign with them, and consequently, we remove them from our list of approved and competitive providers!

The process polices itself, and as you can see – everyone is a winner! Consider us as an information help desk rather than a broker, bank or provider.

Get an Independent opinion

There is plenty of choice when choosing a payment provider, but it is time-consuming and confusing as there are a lot of facts to consider.

Independent Merchant Services cuts all the hassle and pain out of the process by using our comprehensive knowledge of most card processing offers available in the marketplace to provide free, impartial advice and recommend the best deal for your business needs.

No form filling, just indicative or bespoke prices, an explanation, some reassurance and backup support.

Comparing Card Charges?

Before you decide on your next payment provider, make us your first point of contact when shopping around for the best card payment offers. We have been doing this for 12 years now, so we would like to think we know what we are talking about.

You don’t even have to take our word either, we can give you indicative prices, bespoke deals, and special offers, and we can also give you contacts inside some global banks where you can obtain the most competitive offers.

What we offer is a refreshingly informative and comprehensive overview of the market, the offers, the providers, and the pitfalls.

In just 5 minutes, you will be clearer which route is the best route to take why, and at what cost.

Our Pledge

Whilst you have no contract with us and no obligation to accept our guidance, we are comfortable knowing that the offer we have given you from the approved providers are generally the most competitive deals currently available.

We Won’t

  • Hound you with incessant sales calls
  • Send sales agents to your offices
  • Bombard you with endless junk mail
  • Be pushy and manipulative with the facts
  • We charge you for our services

We Will

  • Independently compare the UK’s leading payment providers
  • Give you direct access to the most competitive offers
  • Give you all the facts in one phone call
  • Give you an explanation for our recommendations
  • Offer support during the contract with the provider

Our aim is simple: to ensure your next payment provider gives you competitive rates and support throughout your agreement with them.

We've helped 1000's of UK businesses
From retail shops to online stores, our clients save money every day on card processing. Read their testimonials and see how much you could save.

Great Experience

The team helped connect me with a few reputable companies which made the process much smoother.

Brixton's Best Food

Excellent Service

Excellent service, very quick response & helpful. I highly recommend using this service

Lisa Grant

Helpful and Straight Forward

Darren was helpful and straight forward to deal with which is appreciated. Would recommend their services to anyone.

Sam

Straight Forward Advice

Card payment provider - Straight forward advice & quick list of…
Straight forward advice & quick list of options

Geoff Blundell

Satisfied Customer

We received a quick response to our enquiry and was provided with three options all of which met our needs and we have now entered a new agreement for a card reader with costs far more favourable for our business.

Laura