Providing card and bill payment services for more than 25 years.

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Flexible 12 month contract
No setup fees for card payments
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Merchant account

Find out about the merchant services we offer.


Call us free now: 01614524194

Get a free quote

What is a merchant account?

Want to accept cards in your business? You'll need a merchant account.

At Payzone, we can help you get set up with one.

  • Allows you to take card payments
  • Ensures you’re processing safe, secure payments
  • Helps prevent fraud

A merchant account holds the payment funds whilst your customer's card details are checked, to make sure they have the money available.

They're then securely transferred to your business bank account and the payment is complete.

Get set up

Merchant services with Payzone

Better known as credit card processing, merchant services cover the handling of card payments.

If you’re looking to get set up with merchant card services, we can get you started.

We can help with card payment solutions including:

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Which is the best way to take card payments?

Lady with a card payment machine

Card machines

We have a range of face to face card terminals, including counter top, portable and mobile.
Card Machines

Online payments

Our payment gateway allows you to take card payments through your website and Pay by Link options.
Online payments
Orange telephone

Phone payments

Our virtual terminal lets you to take safe and secure card transactions over the phone.
Phone payments
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Get set up with Payzone

Short, 12 month contract

We offer one of the shortest contracts on the market at just 12 months.

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No set up fees to worry about

We have clear and straightforward pricing and no set up fees.

Bespoke pricing package

We have a team of Payment Consultants, who'll create you a bespoke pricing package.

UK customer support

Our dedicated account management team are on hand 7 days a week.

Merchant card services FAQs

  • Do I need an account?

    If you want to accept credit and debit card payments, you'll need one.

    A merchant services account is a bank account where funds are deposited every time you process a card payment, whether that’s through a card machine, online or over the phone.

  • How much do merchant accounts cost to set up?

    Nothing. There are no extra costs to set one up, as this is all part of setting up card processing solutions for your business.

    As part of your bespoke pricing package, you should expect to pay a monthly fee, a merchant service charge (also called transaction fees) and an authorisation fee (acquirer charge).

    Your processing fees will depend on the types of card payments you take. As an example, credit cards and debit cards could have different fees.

    The merchant service charge will be agreed between you and your acquirer, but if you don’t meet the agreed fee, a minimum monthly service charge is likely to apply. To ensure you’re processing secure payments, you’ll also need to pay a PCI compliance fee.

  • How do I get one with Payzone?

    If you’re happy with your quote, your account is taken for approval with one of our acquiring banks.

    After this has been approved, you’ll be given a merchant account and assigned a merchant ID. That's it!

    We're specialists in helping medium and small businesses with card payments, get in touch today.

  • How do I access the money in the merchant account?

    The account acts separately from your normal business bank account.

    Every time you take a credit or debit card payment, the funds are held here before being transferred to your business bank account where you’ll be able to access them.

  • Why choose Payzone?

    With over 25 years of experience supporting thousands of independent UK businesses with their payment solutions, we understand that not every one is the same. So, unlike most other providers, we don’t have a one-size fits all solution. Instead, we'll tailor a package around your business' needs.

    We have a team of local card payment specialists who will come out and meet you at your business premises. They’ll discuss the best solution for your business and create a bespoke pricing package.

    The package will be based on your business type and your current or expected card turnover. Plus, it’ll include authorisation and transaction fees.

    We offer a short, 12 month contract and there are no set up fees or exit fees when you leave at the end of your contract. We are also regulated by the Financial Conduct Authority for consumer hire.

    Simply complete our form and get your free quote today.

  • What is a merchant ID?

    Also called a Merchant Identification Number, it's a code that's unique to you provided by your payment processor. You'll be assigned one once your merchant account is approved and created. 

Accept credit or debit cards with Payzone

No setup fees plus a short 12-month contract available.

Call us free on: 01614524194

Get a free quote
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