Reach out to our team to discuss your payment needs. We’ll review your requirements and provide a tailored quote no hidden fees, just clear, competitive pricing that fits your business. Book an appointment to open your merchant account and speak to our Sales team at 0300 3035 264 or book an appointment online.

Step 2: Gather Your Documentation, We’ll Walk You Through It

• Checking your information for accuracy and completeness
• Guiding you through any questions or requirements for different payment channels (in-store, online, phone, etc.)
• Submitting your application to our acquiring bank partners, who handle the necessary risk assessments and credit checks

What to Expect:

The approval process is typically quick most businesses are approved within a few days, provided all documentation is in order. If the acquiring bank needs more information or clarification, we’ll notify you promptly and help you address any requests.

• Poor credit history or unresolved debts
• High-risk business sectors (e.g., gambling, certain E-commerce categories)
• Incomplete or inaccurate documentation
• Unusual or suspicious transaction patterns

• Guidance Through the Application: Our experienced team will walk you through the application process, ensuring everything is completed accurately and efficiently.
• Contract Support: If you’re still in contract with another provider, we’ll discuss your options and help you understand any obligations or costs involved. While we can’t intervene directly with your existing acquirer, we’re here to offer expert advice and help you make an informed decision.
• Flexible Solutions: Whether you need physical terminals or online solutions, we set up your Smarter Payments Portal, including features like Pay-By-Link and a dedicated eCommerce Merchant ID (MID) for online sales completely separate from your terminal account.
• Seamless Transition: Once you’re ready, we coordinate the setup of your new payment solutions and provide all the support you need to ensure a smooth switchover, minimising any disruption to your business.

Step 5: Installation & Setup, In-Person and Online

• Card machines: Our team will help you set-up your terminal, ensuring everything is compliant and securely connected.
• Smarter Portal & Online Payments: We’ll activate your online payment tools, including Pay-By-Link, E-commerce MIDs, and Recurring Payment features. You’ll get a walkthrough of your unified dashboard so you can manage all your payments in one place.
• Testing & training: We’ll help you test each payment method and make sure you and your team are comfortable with the system before you go live.

Step 6: Activate and Start Accepting Payments

With everything set up and tested, your merchant account is ready to go. You can now accept payments securely and efficiently whether in-store, online, by phone, or via Pay-By-Link. Smarter Payments ensures you receive your money quickly (typically the next day), with no hidden fees and ongoing human support whenever you need it.

• Regularly review your transaction reports to monitor activity and address any discrepancies early.
• Stay PCI DSS compliant our team can advise you on best practices for keeping payment data secure.
• Train your staff on payment security and compliance to reduce risk and maintain high service standards.
• Reach out for support our real, human customer service team is always available to help.

Why Smarter Payments?

• All-in-One Solution: Manage card payments online, QR code, and Recurring Payments from a single dashboard.
• Transparent Pricing: Simple, clear pricing with no hidden fees.
• Expert Support: Real people, not bots, guiding you at every step.
• Proven Savings: Up to 97% of customers save money by switching.
• Continuous Service: Ongoing support, updates, and advice as your business grows.
• Security First: EMV-compliant solutions and PCI DSS support to keep your business and customers protected.