Providing card and bill payment services for more than 30 years.

Find a store Sales 01614524194 01614524194 Customer Support 01606 566 600 01606 566 600
Published: 20/11/2017

What​ ​to​ ​consider​ ​when​ ​selecting​ ​a​ ​card​ ​payments​ ​provider

Product Information

If​ ​you’re​ ​considering​ ​offering​ ​card​ ​payment​ ​facilities​ ​to​ ​your​ ​customers​ ​then​ ​make​ ​sure​ ​you think​ ​about​ ​the​ ​following.

Additional​ ​charges​ ​and​ ​fees

Make​ ​sure​ ​that​ ​you​ ​fully​ ​understand​ ​all​ ​the​ ​ongoing​ ​fees​ ​that​ ​you’ll​ ​encounter.​ ​Some​ ​card payments​ ​providers​ ​charge​ ​set​ ​up,​ ​administration​ ​and​ ​exit​ ​fees.​ ​But​ ​some​ ​also​ ​charge​ ​for additional​ ​services.​ ​Make​ ​sure​ ​you​ ​ask​ ​the​ ​right​ ​questions​ ​to​ ​find​ ​out​ ​what​ ​hidden​ ​charges there​ ​might​ ​be​ ​-​ ​Our​ ​Card​ ​Payments​ ​Checklist​ ​is​ ​a​ ​useful​ ​tool​ ​to​ ​help​ ​you.

Contract​ ​term

Don’t​ ​get​ ​stung​ ​by​ ​long​ ​contract​ ​lengths.​ ​Make​ ​sure​ ​you’re​ ​able​ ​to​​ ​negotiate​ ​a​ ​term​ ​which sits​ ​comfortably​ ​with​ ​you,​ ​and​ ​quiz​ ​whoever​ ​you’re​ ​speaking​ ​to​ ​about​ ​notice​ ​periods.

Standard​ ​charges

Make​ ​sure​ ​that​ ​you​ ​understand​ ​all​ ​the​ ​ongoing​ ​charges​ ​that​ ​you’ll​ ​encounter. What​ ​charges​ ​will​ ​you​ ​have​ ​to​ ​pay​ ​for?

  • The​ ​payment​ ​terminal(s)?
  • Each​ ​different​ ​type​ ​of​ ​transaction?
  • Will​ ​charges​ ​vary​ ​according​ ​to​ ​the​ ​card​ ​type​ ​or​ ​payment​ ​type​ ​used​ ​by​ ​the​ ​customer? If​ ​so,​ ​make​ ​sure​ ​that​ ​you’re​ ​aware​ ​of​ ​the​ ​differing​ ​charges​ ​-​ ​eg:​ ​American​ ​Express​ ​is 
    not​ ​accepted​ ​in​ ​some​ ​stores​ ​due​ ​to​ ​imposing​ ​a​ ​higher​ ​transaction​ ​charge​ ​than Mastercard​ ​or​ ​Visa.


One​ ​interesting​ ​offer​ ​from​ ​some​ ​providers​ ​is​ ​the​ ​addition​ ​of​ ​perks​ ​that​ ​provide​ ​discounts​ ​or cash​ ​payments​ ​in​ ​exchange​ ​for​ ​in​ ​return​ ​for​ ​referrals​ ​or​ ​commission​ ​when​ ​you​ ​refer​ ​new business. 
It​ ​is​ ​always​ ​worth​ ​checking​ ​this​ ​out,​ ​particularly​ ​if​ ​you​ ​have​ ​a​ ​good​ ​network​ ​of​ ​business acquaintances​ ​who​ ​may​ ​also​ ​be​ ​looking​ ​for​ ​card​ ​payment​ ​services.

What​ ​type​ ​of​ ​transactions​ ​will​ ​it​ ​permit?

Decide​ ​what​ ​payment​ ​services​ ​you​ ​want​ ​to​ ​be​ ​able​ ​to​ ​offer​ ​your​ ​customers​ ​and​ ​choose​ ​the provider​ ​that​ ​most​ ​meets​ ​your​ ​needs​ ​at​ ​an​ ​acceptable​ ​cost.​ ​This​ ​will​ ​include​ ​the​ ​types​ ​of cards​ ​that​ ​terminals​ ​will​ ​accept​ ​-​ ​not​ ​all​ ​terminals​ ​or​ ​providers​ ​accept​ ​all​ ​cards.

Among​ ​the​ ​cards​ ​and​ ​transactions​ ​you​ ​will​ ​need​ ​to​ ​consider​ ​supporting​ ​will​ ​be:

You​ ​also​ ​need​ ​to​ ​find​ ​out​ ​whether​ ​your​ ​card​ ​payments​ ​provider​ ​offers​ ​an​ ​easy​ ​to​ ​contact, reliable​ ​helpline.

Online​ ​review​ ​sites​ ​can​ ​be​ ​a​ ​vital​ ​source​ ​of​ ​information​ ​when​ ​making​ ​your​ ​decision​ ​- remember​ ​the​ ​golden​ ​rule,​ ​eliminate​ ​the​ ​best​ ​and​ ​worst​ ​feedback​ ​and​ ​look​ ​at​ ​the​ ​ratings​ ​in the​ ​middle​ ​for​ ​a​ ​truer​ ​picture.​ ​

Also​ ​look​ ​at​ ​customer​ ​testimonials​ ​on​ ​a​ ​provider’s​ ​website​ ​and their​ ​case​ ​studies​ ​and​ ​speak​ ​to​ ​other​ ​businesses​ ​you​ ​know​ ​to​ ​get​ ​their​ ​opinions​ ​having​ ​used certain​ ​providers.

Interested in taking card payments? At Payzone, we have a selection of card machines available for a variety of different business types. Find out more today.

Woman using a laptop
Product Information

How do you begin taking card payments

Small​ ​and​ ​medium​ ​sized​ ​businesses​ ​which​ ​don’t​ ​accept​ ​card​ ​payments​ ​are​ ​missing

Product Information

Mythbuster​ ​–​ ​card​ ​payments​ ​-​ ​do​ ​they​ ​increase​ ​business?

The​ ​last​ ​few​ ​years​ ​have​ ​seen​ ​major​ ​advances​ ​in​ ​card​ ​payment​ ​technology,​ ​with

Payzone card machine in use
Product Information

Card payments overtake cash for the first time in the UK

Card payments overtakes cash for the first time in the UK. Find out more...

Share this page: