Intelligent Card Processing

Card Payments Powered by AI

Process card payments seamlessly with intelligent integration to our BACS Payments system. Automatically switch between card payments and direct debits for failed payments, enable customer self-service, and use AI-powered re-onboarding.

Seamless Integration
Auto Failover
PCI DSS Compliant

Seamless BACS Payment Integration

Intelligent automation that keeps your revenue flowing by switching between card payments, direct debits, and direct credits

Card Payment Attempt

Customer payment processed

Payment Fails

Insufficient funds, expired card

AI Analysis

Intelligent decision making

Auto Switch to Direct Debit

Seamless failover & customer notification

Intelligent Automation Features

  • Automatic Re-onboarding

    Failed card payments automatically trigger Direct Debit setup with customer notification and consent collection

  • Customer Self-Service Portal

    Customers can manage payment methods, switch between cards and Direct Debits, and update details themselves

  • AI-Powered Retry Logic

    Machine learning determines optimal retry timing and payment method selection for maximum success rates

  • Smart Notifications

    Intelligent customer communications via email, SMS, and in-app notifications with personalized messaging

  • Fraud Prevention

    Real-time fraud detection across all payment channels with automatic blocking and customer verification

  • Revenue Optimization

    Analytics and insights to minimize failed payments and maximize collection rates across all channels

Complete Card Payment Solution

Everything you need for secure, reliable card processing

Global Card Support

Accept all major card types including Visa, Mastercard, American Express, Discover, and regional cards.

  • Visa & Mastercard
  • American Express
  • Multi-currency support

Digital Wallets

Support for Apple Pay, Google Pay, and other digital wallet payment methods for frictionless checkout.

  • Apple Pay
  • Google Pay
  • One-click payments

Tokenization & Security

Industry-leading security with card tokenization, 3D Secure 2.0, and PCI DSS Level 1 compliance.

  • Card tokenization
  • 3D Secure 2.0
  • PCI DSS Level 1

Recurring Payments

Set up subscription billing with automatic retry logic and intelligent dunning management.

  • Subscription billing
  • Smart retry logic
  • Dunning management

E-commerce Integration

Pre-built plugins for major e-commerce platforms and flexible API for custom integrations.

  • WooCommerce
  • Shopify
  • Custom API

Analytics & Reporting

Comprehensive dashboards with real-time transaction monitoring and detailed financial reports.

  • Real-time dashboard
  • Transaction reports
  • Revenue analytics

Better Value Merchant Accounts

We can source a competitive merchant account for your card processing needs. Get all the functionality and security of providers like Stripe, but at significantly better rates.

Pricing Comparison

Our Merchant Accounts

From 1% + 20p per transaction
  • All major cards
  • 3D Secure 2.0
  • PCI DSS compliant
  • Next-day settlement
  • Dedicated support
  • No monthly minimums

Typical Stripe Pricing

From 1.4% + 20p per transaction
  • All major cards
  • 3D Secure 2.0
  • PCI DSS compliant
  • Rolling reserve holds
  • Email support only
  • No setup fees
Save up to 28% on transaction fees compared to Stripe

Why Our Merchant Accounts?

Lower Rates

Significantly cheaper than Stripe with no hidden fees

Dedicated Support

24/7 phone support from payment specialists

Fast Settlement

Next-day funding with no rolling reserves

Same Security

Bank-grade security and full PCI compliance

Apply for Merchant Account

Apply for a Merchant Account

Get started with a competitive merchant account. Complete this form and our team will prepare a tailored quote for your business.

1

Submit Application

Provide your business details and payment requirements

2

Get Your Quote

Receive a customized rate within 24 hours

3

Quick Approval

Fast-track approval process, typically 2-3 days

4

Start Processing

Begin accepting card payments immediately

Why Choose Our Merchant Accounts?

  • Rates from 1% - significantly lower than Stripe
  • Next-day settlement with no rolling reserves
  • Dedicated 24/7 phone support
  • Free integration support
  • No setup or monthly fees

Merchant Account Application

All fields are required unless marked optional

Business Information

Transaction Details

Contact Information

Platform Pricing

Transparent pricing for our card payment platform. Merchant account fees separate.

Monthly Transaction Calculator

Adjust the slider to estimate your platform costs

10,000 transactions
Platform fee per transaction: 12.0p
Monthly volume: 10,000
Platform cost (monthly): £1,200.00
Merchant account fees additional (typically 1% + 20p per transaction)

Platform Fee Tiers

0 - 5,000
15.0p
5,001 - 25,000
12.0p
25,001+
10.0p

What's Included

  • Unlimited card transactions
  • Direct Debit integration
  • Automatic failover
  • AI-powered retry logic
  • Customer self-service portal
  • Multi-channel payment (MCP)
  • Real-time analytics
  • Fraud detection
  • Webhook notifications
  • Full API access
  • 24/7 technical support
  • Free implementation

Ready to Transform Your Card Payments?

Join businesses saving up to 28% on payment processing while improving collection rates

95%+
Collection Rate
28%
Cost Savings vs Stripe
50M+
Transactions Processed