Get Ready to Slash Your Business Costs with a Merchant Account

Unlock Immediate Savings for Your Business

Julian, Author
Last updated: August, 2025

Get Faster Payments With Merchant Account

Are hidden payment fees and slow deposit times eating into your profits? Upgrading to a merchant account could be your smartest financial move this year. Here’s how switching to a merchant account helps your business save money, right from day one:
  • Enjoy Faster Access to Your Cash
    With a merchant account, funds from customer card payments are deposited quickly, often within a day or two, improving your cash flow and sparing you trips to deposit checks or cash
  • Cut Administrative Costs with Digital Bookkeeping
    Every payment is tracked and logged automatically, making reconciliation and tax preparation simple and error-free. Spend less time on manual accounting and more on growing your business
  • Minimize Risk and Avoid Costly Fraud
    Merchant accounts come with robust, built-in security: PCI DSS compliance, two-factor authentication, and 3D Secure can dramatically reduce fraud and chargeback costs, keeping your business (and your customers) protected without expensive third-party tools
  • Boost Sales & Reduce Lost Opportunities
    Accepting card payments means fewer lost sales due to “cash only” limitations. Research shows that customers are likely to spend more when paying by card, translating your payment upgrade into a direct revenue boost
  • Eliminate Hidden Processing Fees
    Merchant accounts offer transparent pricing, so you won’t be caught out by unpredictable transaction costs, helping you budget accurately and avoid profit leaks.
  • Streamline and Scale Your Operations
    Consolidating your payment processing into a single merchant account saves money versus juggling multiple systems. With simple, unified reporting, you’ll gain the insight to spot cost-saving opportunities and track trends that keep you competitive

Why Wait? Stop Letting Payment Costs Chip Away At Your Profits

Choosing a merchant account isn’t just about accepting card payments, it’s about working smarter, operating leaner, and keeping more of what you earn. Start saving money, improve your customer experience, and unlock your business’s full potential today.

Take our short quiz to find a Personalised Solution suited to your business.

Compare Our Recommended Providers Below

Alternatively, if you looking to compare Merchant Account providers, there are several reputable suppliers worth considering. Here are some of our top picks:

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Most Popular
9.8

Best for:

  • In Person
  • Transaction fee = 1.75%
  • No monthly Fees
  • No long-term commitments or contracts
  • Over 4 million sellers around the world
View Deals

Square’s merchant account service stands out for its simplicity and ease of use, making it an ideal choice for small businesses and startups. With no lengthy contracts or hidden fees, Square offers a transparent pricing model, charging a flat rate per transaction. This straightforward approach helps businesses avoid unexpected costs and simplifies budgeting.

In addition to its competitive pricing, Square provides a comprehensive suite of tools to support business operations. These include point-of-sale (POS) systems, invoicing, and inventory management, all integrated into a user-friendly platform. The service also features robust analytics, enabling merchants to track sales, manage customer relationships, and make data-driven decisions.

Furthermore, Square’s flexibility and accessibility are significant advantages. It supports various payment methods, including credit and debit cards, contactless payments, and e-commerce transactions. With no need for a dedicated merchant account or gateway, businesses can start accepting payments quickly and efficiently, making Square an excellent option for those seeking a hassle-free and scalable payment solution.

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9.3

Best for:

  • In person
  • Transaction fee = 0.9% + 5p
  • Use Code 'GETPAIDSUMMER' to get promotion low transaction fees
  • Trusted by over 600,000 UK businesses
View Deals Get £200 Cash Reward, 0.99% + 3p transaction fees with code GETPAID200

Tide’s merchant account service is designed specifically for small businesses and freelancers, offering a seamless and efficient way to manage finances. Tide provides a straightforward application process with quick approvals, enabling businesses to start accepting payments promptly. With competitive transaction fees and no hidden charges, Tide ensures cost transparency and predictability.

A standout feature of Tide’s service is its integration with business banking. This allows merchants to manage both their payments and banking needs from a single platform, simplifying financial management. Tide offers tools such as invoicing, expense tracking, and instant account statements, all accessible through an intuitive mobile app.

Moreover, Tide’s commitment to customer support and innovation makes it a strong contender in the market. Businesses benefit from dedicated support and ongoing improvements to the platform, ensuring they have the latest features at their disposal. Tide’s focus on simplicity, combined with comprehensive banking and payment solutions, makes it an excellent choice for entrepreneurs seeking an all-in-one financial service provider.

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9.6

Best for:

  • In Person
  • Online
  • Transactions fees tailored to work for your business
  • UK’s most trusted card payment provider
  • Next day settlement
  • 7 days a week customer support
View Deals Tailored pricing for your business

Takepayments’ merchant account service excels in providing tailored solutions for small and medium-sized businesses. Known for its personalized approach, Takepayments offers a free, no-obligation consultation to understand each business’s unique needs and recommend the most suitable payment solutions. This customized service ensures that businesses get the best fit for their specific requirements.

Takepayments stands out with its flexible contract options and transparent pricing. Businesses can choose from various contract lengths, including short-term agreements, which provide greater flexibility and control. Additionally, Takepayments offers competitive rates with no set up fees, helping businesses manage costs effectively.

Another key advantage of Takepayments is its comprehensive support and onboarding process. The service includes a welcome team to get you up and running quickly and confidently, along with extensive training and 24/7 customer support. This ensures that businesses can seamlessly integrate their payment systems and receive ongoing assistance, making Takepayments a reliable and supportive partner for managing merchant accounts.

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9.4

Best for:

  • Online
  • Accept payments quickly, easily and securely
  • Take contactless payments with just your iPhone or Android phone
  • Simple, transparent pricing
  • No hidden fees
Visit Square

Square’s online payment solution is a leading choice for businesses seeking a user-friendly and flexible platform to manage transactions. Supporting a wide range of payment methods, including credit cards, digital wallets, and buy now, pay later options, Square is designed to cater to the diverse needs of modern e-commerce.

A standout feature of Square is its seamless integration with other Square tools, such as its POS systems and invoicing software, creating a cohesive ecosystem for managing both online and offline sales. The platform also offers transparent, flat-rate pricing with no hidden fees, making it an affordable option for businesses of all sizes.

Square provides advanced features like real-time analytics, fraud prevention, and customizable checkout options to enhance the customer experience and boost conversions. Backed by excellent customer support and a commitment to innovation, Square’s online payment solution is an excellent choice for businesses looking to streamline their operations and scale efficiently.

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