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Our Products
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How Barclaycard Merchant Services Could Take your Business up a Notch

Barclaycard provides merchant accounts to small and large businesses

What is Barclaycard?

Barclaycard is the arm of Barclays that offers services for merchants, that is, businesses who wish to sell products and services and take payments electronically. Barclaycard processes these payments made to your business on your behalf, opening the door to a more modern way of interacting with your customers. 

 

They offer solutions suitable for retail, finance, utilities, telecoms, and hospitality so, whichever industry your business is in, Barclaycard is likely to provide services that work for you. 

Key Benefits of Barclaycard
  • Get access to your money faster.
  • Offer your customers more ways to pay.
  • Access useful data and reporting.

As well as the above, Barclaycard also provides features like single-source, which takes care of all your payment needs through just one provider, and data insights, which allows your business to stay ahead of the game. In addition, Barclaycard merchant accounts also offer fraud protection through their Barclaycard Transact feature.

Barclaycard Card Readers

As well as offering an account to process payments, Barclaycard also sets you up with a card machine to actually take payments. They have a range of machines on offer, each designed for slightly different needs. The kinds of card machines they provide are listed below. Each card machine comes with a cost per transaction, with the fee you pay depending on the price plan you choose, while others require to you pay a rental fee for the machine itself. 

Smartpay Touch

Large touchscreen and user-friendly interface.

The Smartpay touch is equipped for the most modern work environments. 

Smartpay Touch features a large touchscreen and user-friendly interface, making it ideal for businesses that want their card machine to do more than just take payments. The machine has a variety of features that each provide your business with an injection of professionalism. Sending booking confirmations and reminders via text are just two ways in which the Smartpay Touch is equipped for the most modern work environments. 

 

The machine comes with a minimum 12-month contract duration with no initial charges. What you do pay is the monthly rental fee, which is £29 per month plus VAT. 

Barclaycard Flex

Capable and cost effective

Make 700 sales a day on a full charge with a machine that is as cost-effective as it is capable. 

 

Equipped with a sizable screen and a conventional design, the Barclaycard Flex powers you through the day with its ability to accept up to 700 sales a day on a full charge. This, coupled with its personalised pricing plans and fast payment processing means you can enjoy a very capable card machine while keeping costs down to a minimum. These benefits make the Flex a contender for any busy business. 

 

The machine comes with a minimum 18-month contract, and with no initial setup costs. You do pay a monthly rental fee of £15 per month (excluding VAT).

Smartpay Anywhere

No monthly cost, no contract

If you like things simple, look no further than the Smartpay Anywhere, which is simple, neat, and easy to use, 

Smartpay Anywhere is the fundamental card reader, offering straightforward chip-and-PIN and contactless functions. It has no monthly cost, no contract and only a one-off fee of £29 (excluding VAT), which you pay for the reader itself. After that, you'll pay a 1.6% transaction cost. 

 

If you like things simple, look no further. This is the simplest option Barclaycard offers, With its neat design and lack of confusing buttons, it provides a quick and smart way to take card payments, track sales and keep on top of business admin. And, as a bonus, you'll get the money you take from card payments in your account as soon as the next working day. Choose this machine if you're a smaller business that doesn't need any unnecessary add-ons.

Is Barclaycard Good for Small Businesses?

Barclaycard provides merchant services to both small and large businesses, helping them accept card payments from customers. 

 

Accepting card payments allows small business owners to take their company to the next level. If your business is just getting started, Barclaycard may be the perfect choice for stepping into a more digitally oriented-way of running your business. 

 

Many small retailers trust Barclaycard to deliver reliable and secure payment solutions, so if you're looking for ways to increase your revenue and protect against fraud, or you want reliable hardware to take card payments, Barclaycard could be for you.

Compare Top Card Machine Prices

You could save £1000s on card fees

Do you currently accept card payments?

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Unfortunately you didn't select your third party marketing preferences.
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Our Partners
  • Barclays Bank PLC
  • CommercialExperts.com
  • Fiserv (Europe) Limited
  • Handepay Limited
  • ResQ Limited
  • SumUp Payments Limited
  • Take Payments Limited
  • Teya Services Limited
  • The Redwood Group and Associates Limited
  • Tide Platform Limited
  • WorldPay (UK) Limited
  • Yotta Digital Ltd
Our Products
  • Business Accountancy
  • Business Epos Systems
  • Business Telephone Systems
  • Commercial Waste Collection
  • Digital Marketing
  • Fleet Tracking
  • Invoice Finance
  • Merchant Accounts
  • Website Design

FAQs

Barclaycard is the business-focused part of Barclays. It processes payments made to your business on your behalf, opening the door to a more modern way of interacting with your customers. 

The best Barclaycard card machine for your business will depend on your specific business. Is your business busy? Does it take most of its payments electronically? The answers to these questions will reveal which is the best card for you. Have a look at the card machines above to get an idea of which one would suit your business best. 

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How Much Do Business Bank Accounts Cost?

What is a Business Bank Account?Business bank accounts enable you to separate your personal and business expenses; creating a convenient way to organise your tax and bookkeeping. This makes paying taxes easier and means your files are clear and easy to understand. There are several advantages to having a business bank account. For a deeper dive into what a business account can offer you and your business, read on. In this article, we outline the costs associated with opening and maintaining a business bank account and explain what you need to get started. How Much Does A Business Account Cost?Each bank has its own set of criteria for opening a business bank account. It's important to evaluate and compare the available options to find the best business checking account that suits the needs of your business. If you already have a personal account with a particular bank, there might be special offers or benefits available to you if you choose to open a business bank account with the same one. Some banks require an initial deposit or a minimum balance, while others impose varying fees for different types of transactions, such as monthly service fees, excess transaction fees, or cash handling fees.

Direct Debit Explained

A direct debit payment is a payment taken automatically from a customer's bank account periodically. It's often offered as a payment method by businesses that provide subscription services or other services that require an ongoing commitment from a customer. The main benefit of direct debit payments, for businesses and consumers, is their simplicity. Neither your business nor the customer has to worry about remembering the payment, so payments aren't missed and the relationship between you and your customers is more easily managed. How to Take Direct Debit PaymentsThe way direct debits work is fairly simple. Your customer's payment is taken from their account automatically, usually on a predetermined date, and your business then continues to provide the customer with your service. You need an agreement from your customers to take payments automatically, so make sure it's clear what they are opting in for. You don't want your customers to be confused about what it is they've committed to.  You also need to be eligible to take direct debit payments, which means you need to get a Service User Number (SUN) - a six-digit number businesses use to get paid via direct debit. You can get a SUN directly from your bank, provided you meet its criteria.  Once your bank and your customers have given you the green light to take payments automatically, you just need to set up the frequency and size of your payment. The most important thing to remember about this part is that your customers must be given 10 days' notice before each payment is taken. The notice needs to detail when the payment will be taken and how much it will be. Benefits of Taking Direct Debit PaymentsAs mentioned above, the most obvious benefit of accepting direct debit payments is the simplicity it brings to the hassle of keeping on top of recurring payments. That's not where the benefits of direct debit payments though. Other benefits include having greater predictability, greater retention, and better relationships with your customers. Having a better idea of exactly how much revenue you've got coming in from your customers and knowing exactly when you'll be receiving it can make your business's general finances more predictable and therefore more manageable. You can also use this information to inform future decisions about your business growth.  Having customers committed to your business on an ongoing basis also means they're more likely to stick around as they already know they like what you provide, making the job of your CRM that much easier.  With customers already engaged heavily with your business and your brand, they're right where you want them to be to develop your relationship with them. You can use their pre-existing interest to market more of your services, offer special discounts or offers, or reward their loyalty with a giveaway. These things will help keep their engagement with your brand nice and high.

How to Open a Merchant Account

Getting Started with a Merchant AccountOpening a merchant account allows your business to accept credit and debit card payments from customers. They are, by their nature, helpful for many businesses as they allow them to modernise the way they take payments and interact with their customers.  But how do you get a merchant account? It's a process many businesses do every year but, if you're unfamiliar with the process, it can be confusing and even daunting. That's why we've created a breakdown of the process. Before you Apply for a Merchant AccountIf you want a merchant account, there are a couple of things you need to already have in place before you can apply for one.  First, you need to ensure your business is legally registered. If you're already trading you don't need to worry about this stage but if you're starting from scratch you need to ensure you're registered. There's a lot of information on how to do this on the Government's website but, usually, you'll register as a sole trader, limited company or partnership. When you apply to set up your merchant account, you could be asked to provide a variety of documents to prove your validity, so it's best to have these things ready. Documents you could be asked to provide include: Proof of identity for your business's ownerProof of address for your business's ownerFinancial documentsYour business planStep One: Choose Your Merchant Account TypeThough merchant accounts all work in similar ways, different types of merchant accounts will suit one business more than they will suit another. Retail merchant accounts, for example, are more suited for physical shops where you and your staff will conduct sales face-to-face. These sales will happen with a physical card machine, or perhaps a full EPOS system, which is directly linked to your merchant account.  Internet merchant accounts, meanwhile, do what they say on the tin. They're designed for and suited to businesses that operate online. The payments you make here won't be done face-to-face but via a website. With this type of merchant account, there is no need for a card machine or EPOS system.  Mobile merchant accounts land somewhere in between the two types above. They're ideal for businesses that operate on the go, like pop-up stalls, fitness training providers, or food vans. This type of merchant account allows you to process transactions from anywhere via a mobile device. Only you know the best type of merchant account for your business, so you'll have to take the time to decide which type of account best suits you. Once you've done this, you can move on to the next step. Step Two: Research ProvidersThis is probably the most time-consuming part of the process, but also the most important. You need to research and compare merchant account providers. While all merchant accounts do the same thing and work in broadly the same way, it's still important to not go for the first one you see.  There are plenty of things to consider, not least the transaction fees and admin costs that a merchant account may come with, and the risk level of your industry. To make this step as easy for you as possible, we've created the following list of considerations.