{"id":12166,"date":"2025-08-08T12:23:30","date_gmt":"2025-08-08T11:23:30","guid":{"rendered":"https:\/\/commercialexperts.com\/uk\/?p=12166"},"modified":"2026-03-11T17:24:35","modified_gmt":"2026-03-11T17:24:35","slug":"what-is-a-merchant-account","status":"publish","type":"post","link":"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/what-is-a-merchant-account\/","title":{"rendered":"How Do Merchant Accounts Work?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12166\" class=\"elementor elementor-12166\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c0ecf48 e-con-full e-flex e-con e-parent\" data-id=\"2c0ecf48\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68a7bd44 elementor-widget elementor-widget-shortcode\" data-id=\"68a7bd44\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3421\" class=\"elementor elementor-3421\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4089210 e-con-full e-flex e-con e-parent\" data-id=\"4089210\" data-element_type=\"container\" id=\"product-banner\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c15a039 e-con-full e-flex e-con e-child\" data-id=\"c15a039\" data-element_type=\"container\" id=\"hero-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fdf9b32 e-con-full e-flex e-con e-child\" data-id=\"fdf9b32\" data-element_type=\"container\" id=\"hero-inner-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3aef3 elementor-widget elementor-widget-heading\" data-id=\"1b3aef3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Compare Quotes From Merchant Account Providers, Today.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e6fa5e e-con-full e-flex e-con e-child\" data-id=\"6e6fa5e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afc5fa8 elementor-widget elementor-widget-heading\" data-id=\"afc5fa8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Do you currently accept card payments?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c817a62 e-grid e-con-full e-con e-child\" data-id=\"c817a62\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4893d elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"3f4893d\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Yes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea1099 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"4ea1099\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">No<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd430b8 elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bd430b8\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 1080 1080\" style=\"enable-background:new 0 0 1080 1080;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{display:none;fill:#FFFFFF;}\t.st1{fill:#45378A;}<\/style><g id=\"_x36_ff1e8d1-53ef-4e18-83cb-44b25912cc6c\" transform=\"matrix(1 0 0 1 540 540)\">\t<rect x=\"-540\" y=\"-540\" class=\"st0\" width=\"1080\" height=\"1080\"><\/rect><\/g><g id=\"bbbfeb99-66a1-4030-bfad-d841f1614ce3\" transform=\"matrix(1 0 0 1 540 540)\"><\/g><g transform=\"matrix(2.11 0 0 2.11 540 540)\">\t<g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 -238.64)\">\t\t\t<path class=\"st1\" d=\"M-43.4-17.4h86.8c4.8,0,8.7,3.9,8.7,8.7V8.7c0,4.8-3.9,8.7-8.7,8.7    h-86.8c-4.8,0-8.7-3.9-8.7-8.7V-8.7C-52.1-13.5-48.2-17.4-43.4-17.4z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 25.64)\">\t\t\t<path class=\"st1\" d=\"M0,230.4c84.6,0,161.5-49.1,197-125.9c35.5-76.8,23.1-167.2-31.8-231.6    l17.1-17.1l-24.6-24.6l-17.1,17.1c-34.7-29.6-77.8-47.5-123.3-51v-27.6h-34.7v27.6c-116.1,9.3-204.1,108.6-199.4,224.9    C-212.1,138.5-116.4,230.4,0,230.4z M-135.3-121.1c0.1-0.1,0.2-0.3,0.3-0.4s0.3-0.2,0.4-0.3c74.4-74.2,194.7-74.2,269.1,0    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v-25.6c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7v25.6c39.9-2,78-17.7,107.6-44.6l-18.1-18.1c-3.3-3.4-3.2-8.8,0.1-12.2    c3.3-3.3,8.8-3.4,12.2-0.1l18.1,18.1c26.9-29.6,42.6-67.6,44.6-107.6h-25.6c-4.8,0-8.7-3.9-8.7-8.7s3.9-8.7,8.7-8.7h25.6    c-2-39.9-17.7-78-44.6-107.6L110.4-98c-2.2,2.3-5.4,3.2-8.4,2.4c-3-0.8-5.4-3.2-6.2-6.2c-0.8-3,0.1-6.3,2.4-8.4l18.1-18.1    c-65.9-60.1-166.6-60.1-232.5,0l18.1,18.1c2.3,2.2,3.2,5.4,2.4,8.4c-0.8,3-3.2,5.4-6.2,6.2c-3,0.8-6.3-0.1-8.4-2.4l-18.1-18.1    c-26.9,29.6-42.6,67.6-44.6,107.6h25.6C-142.7-8.5-138.8-4.6-138.8,0.2z M-8.7-33.3v-114c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7    v114c16.9,4.4,28,20.6,25.8,38S17.5,35.1,0,35.1s-32.2-13-34.4-30.3C-36.6-12.6-25.6-28.9-8.7-33.3z\"><\/path>\t\t<\/g>\t<\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">It only takes a minute.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-670b6974 e-flex e-con-boxed e-con e-parent\" data-id=\"670b6974\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed7f84c elementor-widget elementor-widget-shortcode\" data-id=\"3ed7f84c\" data-element_type=\"widget\" id=\"breadcrumb-post\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16f24d69 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-shortcode\" data-id=\"16f24d69\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How Do Merchant Accounts Work?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cbee4a elementor-hidden-mobile title-article elementor-widget elementor-widget-heading\" data-id=\"7cbee4a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Merchant accounts provide payment processing solutions for small and large businesses; here's a closer look at what they offer.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61e4129a e-flex e-con-boxed e-con e-parent\" data-id=\"61e4129a\" data-element_type=\"container\" id=\"art-fullcon\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-37f64a9 e-con-full e-flex e-con e-child\" data-id=\"37f64a9\" data-element_type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:110,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da6db0e elementor-widget elementor-widget-shortcode\" data-id=\"da6db0e\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"5000\" class=\"elementor elementor-5000\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fedf17f e-flex e-con-boxed e-con e-parent\" data-id=\"fedf17f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d70d77d elementor-widget elementor-widget-shortcode\" data-id=\"d70d77d\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"8575\" class=\"elementor elementor-8575\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97fb6a2 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"97fb6a2\" data-element_type=\"container\" id=\"on-this-page\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd958e elementor-widget elementor-widget-heading\" data-id=\"3cd958e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a21a3f elementor-hidden-desktop elementor-hidden-tablet e-con-full e-flex e-con e-parent\" data-id=\"2a21a3f\" data-element_type=\"container\" id=\"on-this-page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-252e905 elementor-widget elementor-widget-heading\" data-id=\"252e905\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74e8604b e-con-full elementor-hidden-mobile elementor-hidden-tablet e-flex e-con e-child\" data-id=\"74e8604b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e2fb64c elementor-widget elementor-widget-heading\" data-id=\"1e2fb64c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Find a card machine for your business today<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c015591 elementor-widget elementor-widget-heading\" data-id=\"7c015591\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Get a quote in seconds with our simple form<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d54e10 h-button elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"11d54e10\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Free Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16212ded e-con-full e-flex e-con e-child\" data-id=\"16212ded\" data-element_type=\"container\" id=\"main-artcon\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28153318 elementor-hidden-desktop elementor-widget elementor-widget-shortcode\" data-id=\"28153318\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How Do Merchant Accounts Work?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d3c474f elementor-hidden-desktop elementor-hidden-tablet title-article elementor-widget elementor-widget-heading\" data-id=\"1d3c474f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Merchant accounts provide payment processing solutions for small and large businesses; here's a closer look at what they offer.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a9a7a5c elementor-widget elementor-widget-shortcode\" data-id=\"1a9a7a5c\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7135\" class=\"elementor elementor-7135\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd8505a e-con-full e-flex e-con e-parent\" data-id=\"cd8505a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c726538 elementor-widget elementor-widget-shortcode\" data-id=\"c726538\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='tfli_author_box'><div class='tfli_author_details'><div class='tfli_author_details_content'><img alt='' src='https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png' srcset='https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png 2x' class='avatar avatar-60 photo avatar-default' height='60' width='60' \/><a href=\"https:\/\/commercialexperts.com\/uk\/authors\/adam-jackson-wright\/\"><h4>Adam Jackson-Wright<\/h4><p>Content Writer<\/p><\/a><\/div><\/div><div class='tfli_post_details'><p>Last updated 11\/03\/2026<\/p><\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fe9c9c elementor-widget elementor-widget-heading\" data-id=\"8fe9c9c\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a Merchant Account?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d14a855 elementor-widget elementor-widget-text-editor\" data-id=\"d14a855\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A <b>merchant account<\/b> acts as a middleman between your customers\u2019 bank accounts and yours. It\u2019s where funds are held while transactions are processed. They form an essential part of the whole <b>payment process<\/b>.\u00a0<\/p><p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">While they both hold money, a <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/what-is-a-merchant-account\/\">merchant account is not a business bank account<\/a>. Instead, you\u2019re better off thinking of <strong>merchant accounts<\/strong> as a halfway house. A place where money is held while checks are processed to ensure a transaction can take place.\u00a0<\/span><\/p><p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">Given their pivotal role in\u00a0<\/span><a style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align);background-color: #f8fafc\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">taking electronic payments<\/a><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">,\u00a0<\/span><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">every modern business should have one, whether you operate <strong>online<\/strong> or <strong>in a shop<\/strong>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b1d36b elementor-widget elementor-widget-heading\" data-id=\"3b1d36b\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Do I Need a Merchant Account?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8cdb0a elementor-widget elementor-widget-text-editor\" data-id=\"e8cdb0a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While it seems quicker to <b>accept payments<\/b> directly into your <b>business bank account,<\/b> it could cost time in the long run.<\/p><p>Customers\u2019 payments have to go through checks at their end before their bank releases the funds, which can take days. Your <b>merchant account <\/b>will ensure you\u2019re able to <b>access these funds quickly<\/b>. So while merchant accounts add an extra step, they mean your business ultimately has greater access to the money it makes.\u00a0<\/p><p>You thought a <b>merchant account <\/b>was the same as a <b>business bank account<\/b>? If only it were that simple. A <b>business bank account<\/b>, while usually directly linked to your <b>merchant account<\/b>, has a different job entirely&#8230;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1fcbd2 elementor-widget elementor-widget-heading\" data-id=\"c1fcbd2\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Merchant Accounts vs Business Accounts<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc90575 elementor-widget elementor-widget-text-editor\" data-id=\"cc90575\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Merchant accounts work wholly differently from <b>business bank accounts,<\/b> and they\u2019re not the same thing. Both offer different uses, but are equally valuable when it comes to <b>taking card payments<\/b>.\u00a0<\/p><p>A <b>business bank account<\/b> allows you to save or spend your money however you choose. They are primarily used to run the general day-to-day finances of your business. This includes<b> paying bills<\/b>, paying for <b>business services<\/b>, <b>withdrawing funds<\/b>, and <b>paying your staff<\/b>. This is not a function of merchant accounts, which perform a different role.\u00a0<\/p><p>Where a <b>business bank account<\/b> is used for the <b>general financial functions<\/b> of your business, your merchant account is used to process the payments you receive from your customers via credit or debit card. They are essentially holding pens for the money you receive from your customers; a place where checks are carried out to ensure the transaction can go ahead.\u00a0<\/p><p>Ultimately, the two types of accounts are designed to work together. That\u2019s why many businesses across the UK use them in conjunction with each other, and it\u2019s also why your business should do the same.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51af5e2 elementor-widget elementor-widget-heading\" data-id=\"51af5e2\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Do Merchant Accounts Work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b18c531 elementor-widget elementor-widget-text-editor\" data-id=\"b18c531\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Having read the above, it&#8217;s probably occurred to you that you\u2019re not realistically going to <b>grow your business<\/b> without a <b>merchant account<\/b>, but how do they work? Well, while there are other steps involved (like <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/how-to-take-online-payments\/\">payment gateways<\/a> and <b>payment processors<\/b>), it can be boiled down to a simple agreement. One between your business and what\u2019s called an <b>acquiring bank<\/b>.\u00a0<\/p><p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">The <\/span><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\"><b>acquiring bank<\/b><\/span><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\"> provides you with your <\/span><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\"><b>merchant account<\/b><\/span><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">. The deal you make with them will encompass things like your length of the contract, the type of merchant account you have, and how much you pay in fees.\u00a0<\/span><\/p><p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">Once all of this has been agreed upon, your <strong>acquiring bank<\/strong> will set you up with your merchant account<\/span><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">, and you can <\/span><strong style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">start accepting card payments<\/strong><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">. When you\u2019re set up, you can opt to <strong>take digital payments<\/strong> in three different ways:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6683684c e-con-full e-flex e-con e-child\" data-id=\"6683684c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2ca9eb1a e-con-full e-flex e-con e-child\" data-id=\"2ca9eb1a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7fbbfe1e e-con-full e-flex e-con e-child\" data-id=\"7fbbfe1e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70a45f70 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"70a45f70\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-890a6c e-con-full e-flex e-con e-child\" data-id=\"890a6c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f118a6b elementor-widget elementor-widget-heading\" data-id=\"1f118a6b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">In Person\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21f18370 elementor-widget elementor-widget-text-editor\" data-id=\"21f18370\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Usually taken with a card machine that may be supplied by your merchant account provider.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-363e2932 e-con-full e-flex e-con e-child\" data-id=\"363e2932\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-299305f4 e-con-full e-flex e-con e-child\" data-id=\"299305f4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab1b6cc elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ab1b6cc\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b1231fc e-con-full e-flex e-con e-child\" data-id=\"1b1231fc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-729465ce elementor-widget elementor-widget-heading\" data-id=\"729465ce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Over the phone<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7df053b9 elementor-widget elementor-widget-text-editor\" data-id=\"7df053b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To do this, you will require a \u2018virtual terminal\u2019, which is a secure webpage where you enter your customer\u2019s payment information.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d47f7e0 e-con-full e-flex e-con e-child\" data-id=\"d47f7e0\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1595acc9 e-con-full e-flex e-con e-child\" data-id=\"1595acc9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ea60a9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9ea60a9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46df339d e-con-full e-flex e-con e-child\" data-id=\"46df339d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-162caa7e elementor-widget elementor-widget-heading\" data-id=\"162caa7e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Online<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4711607c elementor-widget elementor-widget-text-editor\" data-id=\"4711607c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you want to take online payments then you need a \u2018payment gateway\u2019. These are those checkout pages you fill out when making an online purchase.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2959d979 e-con-full e-flex e-con e-child\" data-id=\"2959d979\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb4f4a8 elementor-widget elementor-widget-heading\" data-id=\"fb4f4a8\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Processing Transactions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-354726f elementor-widget elementor-widget-text-editor\" data-id=\"354726f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When somebody buys something with a <strong>credit or debit card<\/strong>, it sets off a chain of processes that ensure the transaction can happen. This process involves multiple moving parts, but happens very quickly.\u00a0<\/p>\n<p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">First, the customer&#8217;s card details are sent from the <strong>card machine<\/strong> to your <strong>acquiring bank<\/strong> (the bank that operates your merchant account). Then, your acquiring bank will send the payment information to your customer&#8217;s card provider (usually Visa or Mastercard) to check that the funds are available.<\/span><\/p>\n<p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">If there is enough money in the customer&#8217;s bank account, the card provider lets your acquiring bank know that the transaction can go ahead. Once the acquiring bank has had approval from the card issuer, your <strong>card machine<\/strong> will flash up with a &#8216;transaction approved&#8217; message.\u00a0<\/span><\/p>\n<p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">If the purchase happens online, the process is exactly the same, except the card machine is replaced by something called a\u00a0<\/span><a style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align);background-color: #f8fafc\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-payment-gateway-providers\/\">payment gateway<\/a>.\u00a0<span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">\u00a0<\/span><\/p>\n<p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">After this whole process has happened, the money from the purchase is transferred from your <strong>merchant account<\/strong> into your bank account, usually within a few hours. <\/span><\/p>\n<p><span style=\"color: var( --e-global-color-b6c17bc );font-family: var( --e-global-typography-text-font-family ), Sans-serif;font-size: var( --e-global-typography-098407d-font-size );font-weight: var( --e-global-typography-098407d-font-weight );letter-spacing: var( --e-global-typography-098407d-letter-spacing );text-align: var(--text-align)\">If your business happens to depend more on cash flow, you&#8217;ll need a <strong>merchant account that releases funds quickly<\/strong>. Our breakdown of the <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-merchant-accounts-for-your-growing-business\/\">best merchant accounts for small businesses<\/a> features several accounts that provide exactly that.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c1b05a1 elementor-widget elementor-widget-heading\" data-id=\"2c1b05a1\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Merchant Account Fees<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbbc11c elementor-widget elementor-widget-text-editor\" data-id=\"dbbc11c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are, naturally, <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\">several fees<\/a> you need to pay each time you make a transaction with a <b>card machine<\/b> or other <b>digital payment method<\/b>. As you\u2019ve just read, there are multiple moving parts and, with each part, there comes a fee. The <b>payment gateway<\/b> you use will charge you a percentage-based fee, as will the acquiring bank you choose. As well as this, your acquiring bank will usually also charge a <b>monthly fee for using their services<\/b>.\u00a0\u00a0<\/p><p>The fees themselves range from less than 1% to 5% or more, depending on the <b>type of merchant account<\/b> you have, your credit history and other factors. Although some rates are capped by law, others may differ between providers, so it pays to shop around to find the <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-merchant-accounts-for-your-growing-business\/\">best merchant account provider<\/a> for you.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f1eb344 e-con-full e-flex e-con e-child\" data-id=\"2f1eb344\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2ee83bcb e-con-full e-flex e-con e-child\" data-id=\"2ee83bcb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae3e728 elementor-widget elementor-widget-heading\" data-id=\"3ae3e728\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Want to know more about merchant account fees?\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d902aff e-con-full e-flex e-con e-child\" data-id=\"3d902aff\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ddfeff1 elementor-widget elementor-widget-text-editor\" data-id=\"6ddfeff1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While we\u2019ve touched on it here, we\u2019ve got a whole page dedicated to the different fees associated with merchant accounts. Check out our full <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\">guide on merchant account fees<\/a> to find out all you need to know.<\/p><p>You\u2019ll be an expert in no time\u2026\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a89ee30 elementor-widget elementor-widget-heading\" data-id=\"a89ee30\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Types of Merchant Accounts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f625516 elementor-widget elementor-widget-text-editor\" data-id=\"f625516\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Not all merchant accounts are the same. What works for one business may not work for yours, so the <b>type of merchant account<\/b> you need depends on your circumstances. Whichever type of merchant account you choose, it will fall into one of the three following categories:\u00a0<\/p><ul><li>Aggregated<\/li><li>Dedicated<\/li><li>High-Risk\u00a0<\/li><\/ul><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-92cf437 e-con-full e-flex e-con e-child\" data-id=\"92cf437\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b296a98 e-con-full e-flex e-con e-child\" data-id=\"b296a98\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7c4433b e-con-full e-flex e-con e-child\" data-id=\"7c4433b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcd13ef elementor-widget elementor-widget-heading\" data-id=\"fcd13ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Aggregated Merchant Account\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-759085e elementor-widget elementor-widget-text-editor\" data-id=\"759085e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An aggregated merchant account is arranged by what\u2019s called a payment facilitator. This is essentially a company that does a lot of the work for you. If you use one, you won\u2019t need to set up an account yourself. Instead, you\u2019ll use a merchant account owned and controlled by the payment facilitator.\u00a0<\/p><p>This is obviously ideal for smaller businesses as it takes away a lot of the hassle and streamlines the process of taking digital payments. What\u2019s more, an aggregated merchant account can often work out cheaper for small businesses. Since your payment facilitator pools in your takings with other businesses\u2019 takings, there\u2019s a higher volume of payments being made, which usually means a lower per-transaction rate.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1417b53 e-con-full e-flex e-con e-child\" data-id=\"1417b53\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1d97c31 e-con-full e-flex e-con e-child\" data-id=\"1d97c31\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-274afae elementor-widget elementor-widget-heading\" data-id=\"274afae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dedicated Merchant Account<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41b9b4f elementor-widget elementor-widget-text-editor\" data-id=\"41b9b4f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWith a dedicated merchant account, you are set up directly with the acquiring bank. This gives you more flexibility when it comes to negotiating specific terms and fees for your business. Dedicated merchant accounts are essentially built from the ground up by you and your acquiring bank, so it\u2019s highly nuanced for your specific needs.\u00a0\n\nYou don\u2019t get this privilege with an aggregated account, but you are more likely to pay higher rates if you\u2019re a small business as you\u2019ll have less credit history and a smaller number of transactions.\u00a0\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed31ff1 e-con-full e-flex e-con e-child\" data-id=\"ed31ff1\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-45b29c1 e-con-full e-flex e-con e-child\" data-id=\"45b29c1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f6dd5a elementor-widget elementor-widget-heading\" data-id=\"8f6dd5a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">High-Risk Merchant Account\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f26ea27 elementor-widget elementor-widget-text-editor\" data-id=\"f26ea27\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have a poor credit history or operate in a volatile industry, this could be your only option for a merchant account for your business. As you can tell from their name, high-risk merchant accounts are offered to businesses that the acquiring bank considers riskier.<\/p><p>The presumption of risk can be due to several reasons, including a typically higher number of chargebacks, historical financial instability in your industry, a high incidence of fraud, or a bad credit rating. These accounts typically charge higher fees due to the increased likelihood of financial volatility within your business. If you operate in any of the industries below, you could be classed as high-risk:<\/p><ul><li>Travel<\/li><li>Online healthcare<\/li><li>Gambling<\/li><li>Subscription-based<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-023e430 elementor-widget elementor-widget-text-editor\" data-id=\"023e430\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While high-risk merchant accounts typically come with <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\">higher fees<\/a>, they can also be beneficial to the businesses that use them.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c706d39 elementor-widget elementor-widget-heading\" data-id=\"c706d39\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Set Up Your Merchant Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ceacc7 elementor-widget elementor-widget-text-editor\" data-id=\"9ceacc7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With more and more consumers preferring <b>card payments<\/b> and <a style=\"background-color: #f8fafc\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/dominance-of-contactless-payments\/\">fewer people carrying cash<\/a> than at any point in history, <b>card payments<\/b> are where your business\u2019s future is. That\u2019s why now is as good a time as any to get a <b>merchant account<\/b> for your business.\u00a0<\/p><p>The process of opening one is something many businesses do every year, but if you\u2019re unfamiliar with the process, it can be confusing. No need to worry, though, just read on to find out how to open a <b>merchant account<\/b>.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24d7bbe9 e-con-full e-flex e-con e-child\" data-id=\"24d7bbe9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2e56117c e-con-full e-flex e-con e-child\" data-id=\"2e56117c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-34059ac6 e-con-full e-flex e-con e-child\" data-id=\"34059ac6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18c240a5 elementor-widget elementor-widget-heading\" data-id=\"18c240a5\" data-element_type=\"widget\" id=\"step-wid\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Step 1<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b5f97c7 elementor-widget elementor-widget-heading\" data-id=\"6b5f97c7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Choose Your Merchant Account Type\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5592b820 elementor-widget elementor-widget-text-editor\" data-id=\"5592b820\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Merchant accounts all work in similar ways but the one you have needs to suit you and your business. Remember, different merchant accounts suit different kinds of business needs.\u00a0<\/p><p>Retail merchant accounts, for example, are more suited to physical shops where sales are done face-to-face. These sales will happen with a physical card machine, which is directly linked to your merchant account. Internet merchant accounts, meanwhile operate solely online and only deal with online payments.\u00a0<\/p><p>Only you know the best type of merchant account for your business, so you\u2019ll have to take the time to decide which type of account best suits you. Once you\u2019ve done this, you can move on to the next step.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53439163 e-con-full e-flex e-con e-child\" data-id=\"53439163\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3dc53a87 e-con-full e-flex e-con e-child\" data-id=\"3dc53a87\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2055b9e8 e-con-full e-flex e-con e-child\" data-id=\"2055b9e8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fd8729a elementor-widget elementor-widget-heading\" data-id=\"4fd8729a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Step 2<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-312a24b5 elementor-widget elementor-widget-heading\" data-id=\"312a24b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Research Providers\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d7eb7c0 elementor-widget elementor-widget-text-editor\" data-id=\"6d7eb7c0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This 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, it\u2019s still important to not go for the first one you see.\u00a0\u00a0<\/p><p>There are plenty of things to consider, not least the transaction fees and admin costs that your merchant account may come with. While researching is usually the most time-consuming part of securing your merchant account, we can make the process quicker, easier, and cheaper &#8211; more on that further down.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69cb9d7a e-con-full e-flex e-con e-child\" data-id=\"69cb9d7a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-451e6d63 e-con-full e-flex e-con e-child\" data-id=\"451e6d63\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-38b81e24 e-con-full e-flex e-con e-child\" data-id=\"38b81e24\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31322e46 elementor-widget elementor-widget-heading\" data-id=\"31322e46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Step 3<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ec9983a elementor-widget elementor-widget-heading\" data-id=\"1ec9983a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Choose Your Provider and Apply\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11bf42b9 elementor-widget elementor-widget-text-editor\" data-id=\"11bf42b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After the most time-consuming and important part comes the quickest and simplest part: applying for your merchant account.\u00a0\u00a0<\/p><p>Assuming you have already gathered all the necessary documents you need to open your account and you\u2019ve followed the steps above, this part is easy. If you do your research properly, the best merchant account provider for you will be an obvious choice.\u00a0<\/p><p>The application process itself is usually simple. It involves filling in an online form with your own basic information (<b>proof of identity<\/b>, <b>address<\/b>, etc) and any relevant information about your business (your<b> industry<\/b>, <b>average transaction size<\/b>, <b>monthly turnover<\/b>, etc). After that, you can start using your new merchant account and making the most of your ability to <b>take card payments<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6039efac elementor-widget elementor-widget-shortcode\" data-id=\"6039efac\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7381\" class=\"elementor elementor-7381\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33b14af3 e-con-full e-flex e-con e-child\" data-id=\"33b14af3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6286b0c elementor-widget elementor-widget-heading\" data-id=\"6286b0c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What industry are you in?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa5869b e-con-full e-flex e-con e-child\" data-id=\"3aa5869b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b515c27 elementor-widget elementor-widget-heading\" data-id=\"7b515c27\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Please select the industry that you trade within. This information allows us to tailor your quote.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7234ce34 e-grid e-con-full e-con e-child\" data-id=\"7234ce34\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65706084 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"65706084\" data-element_type=\"widget\" id=\"cta-icon-box\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Hospitality\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 497 497\" width=\"512\"><g><g><path d=\"m140.238 74.691c-4.143 0-7.5-3.357-7.5-7.5v-17.671c0-4.143 3.357-7.5 7.5-7.5s7.5 3.357 7.5 7.5v17.672c0 4.142-3.357 7.499-7.5 7.499z\" fill=\"#fea613\"><\/path><\/g><path d=\"m284.288 152.755h-33.218v-69.076c0-5.309 2.084-10.406 5.805-14.193l10.804-11 10.804 11c3.72 3.788 5.805 8.884 5.805 14.193z\" fill=\"#02905d\"><\/path><g><path d=\"m284.288 160.255h-33.219c-4.143 0-7.5-3.357-7.5-7.5v-69.075c0-7.321 2.825-14.229 7.955-19.449l10.804-11c1.41-1.436 3.338-2.244 5.351-2.244 2.013 0 3.94.809 5.351 2.245l10.804 11c5.13 5.221 7.955 12.128 7.955 19.448v69.075c-.001 4.142-3.358 7.5-7.501 7.5zm-25.719-15h18.219v-61.575c0-3.363-1.298-6.538-3.655-8.938l-5.454-5.553-5.454 5.553c-2.357 2.399-3.655 5.573-3.655 8.938v61.575z\" fill=\"#017b4e\"><\/path><\/g><g><path d=\"m267.679 65.986c-4.143 0-7.5-3.357-7.5-7.5v-31.127c0-4.143 3.357-7.5 7.5-7.5s7.5 3.357 7.5 7.5v31.127c0 4.143-3.358 7.5-7.5 7.5z\" fill=\"#017b4e\"><\/path><\/g><g><path d=\"m326.245 110.576h-.09c-8.32 0-15.065-6.745-15.065-15.065v-10.953c0-2.321 1.881-4.202 4.202-4.202h21.815c2.321 0 4.202 1.881 4.202 4.202v10.953c.001 8.32-6.743 15.065-15.064 15.065z\" fill=\"#fb5858\"><\/path><\/g><g><g><path d=\"m326.245 118.076h-.09c-12.442 0-22.564-10.123-22.564-22.565v-10.952c0-6.452 5.25-11.702 11.702-11.702h21.815c6.452 0 11.702 5.25 11.702 11.702v10.952c.001 12.442-10.122 22.565-22.565 22.565zm-7.654-30.22v7.654c0 4.172 3.394 7.565 7.564 7.565h.09c4.172 0 7.565-3.394 7.565-7.565v-7.654z\" fill=\"#cbe2ff\"><\/path><\/g><g><path d=\"m326.2 155.255c-4.143 0-7.5-3.357-7.5-7.5v-37.179c0-4.143 3.357-7.5 7.5-7.5s7.5 3.357 7.5 7.5v37.179c0 4.142-3.357 7.5-7.5 7.5z\" fill=\"#cbe2ff\"><\/path><\/g><\/g><path d=\"m60.675 144.755c0-43.942 35.622-79.563 79.563-79.563s79.563 35.622 79.563 79.563l-79.563 8z\" fill=\"#fee45a\"><\/path><path d=\"m140.238 65.192c-3.297 0-6.539.224-9.731.614 39.348 4.802 69.832 38.305 69.832 78.95h19.462c0-43.943-35.621-79.564-79.563-79.564z\" fill=\"#fedf30\"><\/path><g><path d=\"m375.646 195.378c-1.087 0-2.19-.237-3.236-.738-3.735-1.79-5.313-6.27-3.522-10.005l33.289-69.473c5.495-11.46 17.257-18.863 29.964-18.863h22.438c4.143 0 7.5 3.357 7.5 7.5s-3.357 7.5-7.5 7.5h-22.438c-6.971 0-13.423 4.062-16.438 10.348l-33.288 69.471c-1.289 2.689-3.973 4.26-6.769 4.26z\" fill=\"#7a6d79\"><\/path><\/g><g><path d=\"m313.003 437.815h-243.766c-4.729 0-8.562-3.833-8.562-8.562v-12.965c0-4.729 3.833-8.562 8.562-8.562h243.766c2.244 0 3.663-1.197 4.311-1.91.646-.713 1.698-2.242 1.479-4.474l-3.652-37.273c-.461-4.706 2.98-8.895 7.686-9.356l12.904-1.264c4.706-.461 8.895 2.98 9.356 7.686l3.652 37.272c.986 10.063-2.343 20.131-9.136 27.622-6.792 7.49-16.488 11.786-26.6 11.786z\" fill=\"#d8ab8c\"><\/path><\/g><path d=\"m348.739 398.406-3.652-37.272c-.461-4.706-4.65-8.147-9.356-7.686l-10.941 1.072c2.343 1.327 4.029 3.731 4.311 6.614l3.652 37.272c.986 10.063-2.343 20.131-9.135 27.622-6.793 7.491-16.489 11.787-26.601 11.787h15.986c10.112 0 19.808-4.296 26.601-11.787 6.792-7.491 10.121-17.559 9.135-27.622z\" fill=\"#c38778\"><\/path><circle cx=\"108.093\" cy=\"457.478\" fill=\"#685e68\" r=\"19.663\"><\/circle><path d=\"m108.093 437.815c-3.586 0-6.937.975-9.831 2.652 5.871 3.401 9.831 9.737 9.831 17.011s-3.96 13.61-9.831 17.011c2.894 1.677 6.246 2.652 9.831 2.652 10.859 0 19.663-8.803 19.663-19.663s-8.804-19.663-19.663-19.663z\" fill=\"#554e56\"><\/path><path d=\"m380.039 371.972h-365.68c-8.189 0-14.72-6.839-14.343-15.019l8.87-192.57c0-10.84 8.788-19.628 19.628-19.628h337.37c10.84 0 19.628 8.788 19.628 19.628l8.87 192.57c.377 8.18-6.154 15.019-14.343 15.019z\" fill=\"#fb5858\"><\/path><path d=\"m385.512 164.383c0-10.84-8.788-19.628-19.628-19.628h-19.461c10.84 0 19.628 8.788 19.628 19.628l8.87 192.57c.377 8.181-6.154 15.019-14.343 15.019h19.462c8.189 0 14.72-6.839 14.343-15.019z\" fill=\"#f44545\"><\/path><circle cx=\"291.551\" cy=\"457.478\" fill=\"#685e68\" r=\"19.663\"><\/circle><path d=\"m291.551 437.815c-3.586 0-6.937.975-9.831 2.652 5.872 3.401 9.831 9.737 9.831 17.011s-3.96 13.61-9.831 17.011c2.894 1.677 6.246 2.652 9.831 2.652 10.86 0 19.663-8.803 19.663-19.663s-8.803-19.663-19.663-19.663z\" fill=\"#554e56\"><\/path><g><path d=\"m73.21 343.213c-.122 0-.243-.003-.366-.009-4.138-.199-7.33-3.715-7.131-7.852l4.78-99.261c.199-4.138 3.747-7.313 7.852-7.131 4.138.199 7.33 3.715 7.131 7.852l-4.78 99.261c-.194 4.015-3.509 7.14-7.486 7.14z\" fill=\"#a72b2b\"><\/path><\/g><g><path d=\"m156.431 343.213c-.048 0-.095 0-.143-.001-4.142-.077-7.437-3.497-7.359-7.639l2.391-128.168c.077-4.094 3.419-7.36 7.496-7.36.048 0 .095 0 .143.001 4.142.077 7.437 3.497 7.359 7.639l-2.391 128.168c-.077 4.093-3.419 7.36-7.496 7.36z\" fill=\"#a72b2b\"><\/path><\/g><g><path d=\"m242.039 343.213c-4.077 0-7.42-3.267-7.496-7.36l-2.39-128.168c-.077-4.142 3.218-7.562 7.359-7.639.048-.001.095-.001.143-.001 4.077 0 7.42 3.267 7.496 7.36l2.39 128.168c.077 4.142-3.218 7.562-7.359 7.639-.047.001-.095.001-.143.001z\" fill=\"#a72b2b\"><\/path><\/g><g><path d=\"m325.261 343.213c-3.977 0-7.292-3.125-7.485-7.139l-4.781-99.261c-.199-4.138 2.993-7.653 7.13-7.853 4.169-.202 7.654 2.994 7.853 7.131l4.781 99.26c.199 4.138-2.993 7.653-7.13 7.853-.124.006-.247.009-.368.009z\" fill=\"#a72b2b\"><\/path><\/g><path d=\"m483.654 120.836h-24.729c-7.371 0-13.346-5.975-13.346-13.346v-7.381c0-7.371 5.975-13.346 13.346-13.346h24.729c7.371 0 13.346 5.975 13.346 13.346v7.381c0 7.371-5.975 13.346-13.346 13.346z\" fill=\"#fb5858\"><\/path><path d=\"m483.654 86.763h-19.462c7.371 0 13.346 5.975 13.346 13.346v7.381c0 7.371-5.975 13.346-13.346 13.346h19.462c7.371 0 13.346-5.975 13.346-13.346v-7.381c0-7.371-5.975-13.346-13.346-13.346z\" fill=\"#f44545\"><\/path><\/g><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t\tHospitality\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-703bfb2f elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"703bfb2f\" data-element_type=\"widget\" id=\"cta-icon-box\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Retail\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 497 497\" width=\"512\"><g><path d=\"m415.031 10h-343.062c-5.523 0-10 4.477-10 10v314.351l10 28.852-10 37.796v45.722l363.062 10v-436.721c0-5.523-4.477-10-10-10z\" fill=\"#a4ccff\"><\/path><path d=\"m425.031 10h-30c5.523 0 10 4.477 10 10v436.721l30-10v-45.722l-10-33.28 10-33.368v-314.351c0-5.523-4.477-10-10-10z\" fill=\"#8bb3ea\"><\/path><path d=\"m405.031 400.999h-343.062v-66.648h343.062l13.197 29.318z\" fill=\"#fde588\"><\/path><path d=\"m405.031 334.351h30v66.648h-30z\" fill=\"#fdd76f\"><\/path><path d=\"m451.822 191.575h-418.644c-5.523 0-10-4.477-10-10v-118.997c0-5.523 4.477-10 10-10h418.643c5.523 0 10 4.477 10 10v118.997c.001 5.523-4.477 10-9.999 10z\" fill=\"#fde588\"><\/path><path d=\"m463.822 52.578h-30c5.523 0 10 4.477 10 10v118.997c0 5.523-4.477 10-10 10h30c5.523 0 10-4.477 10-10v-118.997c0-5.523-4.477-10-10-10z\" fill=\"#fdd76f\"><\/path><g fill=\"#a4ccff\"><path d=\"m224.181 73.807c-4.142 0-7.5 3.358-7.5 7.5v31.872h-41.427v-31.872c0-4.142-3.358-7.5-7.5-7.5s-7.5 3.358-7.5 7.5v81.541c0 4.142 3.358 7.5 7.5 7.5s7.5-3.358 7.5-7.5v-34.669h41.427v34.669c0 4.142 3.358 7.5 7.5 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0-5.88-3.439-4.703-6.698l15.196-42.076c1.431-3.963 5.192-6.603 9.405-6.603h53.427l35.07 10 20.07-10h40.427c4.213 0 7.974 2.64 9.405 6.603l15.196 42.076c1.178 3.258-1.236 6.698-4.701 6.698z\" fill=\"#f26c72\"><\/path><path d=\"m354.098 281.93-15.196-42.076c-1.431-3.963-5.192-6.603-9.406-6.603h-30c4.213 0 7.974 2.64 9.405 6.603l15.196 42.076c1.177 3.259-1.238 6.698-4.703 6.698h30c3.467.001 5.881-3.439 4.704-6.698z\" fill=\"#e95059\"><\/path><path d=\"m296.07 288.629h-95.14l20-55.377h55.14z\" fill=\"#eef5f6\"><\/path><path d=\"m452 446.809h-427c-13.807 0-25 11.193-25 25v10.191c0 2.762 2.239 5 5 5h467c2.761 0 5-2.238 5-5v-10.191c0-13.807-11.193-25-25-25z\" fill=\"#7f8c93\"><\/path><path d=\"m472 446.809h-30.5c13.807 0 25 11.193 25 25v10.191c0 2.762-2.239 5-5 5h30.5c2.761 0 5-2.238 5-5v-10.191c0-13.807-11.193-25-25-25z\" fill=\"#455b6b\"><\/path><\/g><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t\tRetail\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6bcd74 elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"a6bcd74\" data-element_type=\"widget\" id=\"cta-icon-box\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Other\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 511.991 511.991\" style=\"enable-background:new 0 0 511.991 511.991;\" xml:space=\"preserve\"><circle style=\"fill:#1F84CE;\" cx=\"255.996\" cy=\"255.996\" r=\"255.996\"><\/circle><circle style=\"fill:#FFFFFF;\" cx=\"255.996\" cy=\"255.996\" r=\"192.484\"><\/circle><path style=\"opacity:0.15;fill:#145587;enable-background:new    ;\" d=\"M218.618,372.636c-9.854,0-19.708-3.759-27.227-11.278 l-51.254-51.254c-15.038-15.038-15.038-39.418,0-54.456c15.036-15.036,39.418-15.038,54.454,0l24.026,24.027l98.783-98.784 c15.037-15.038,39.418-15.037,54.454,0c15.037,15.038,15.037,39.418,0,54.456l-126.01,126.011 C238.327,368.878,228.472,372.636,218.618,372.636z\"><\/path><path style=\"fill:#FB7686;\" d=\"M218.618,352.159c-9.854,0-19.708-3.759-27.227-11.278l-51.254-51.254 c-15.038-15.038-15.038-39.418,0-54.456c15.036-15.036,39.418-15.038,54.454,0l24.026,24.027l98.783-98.784 c15.037-15.038,39.418-15.037,54.454,0c15.037,15.038,15.037,39.418,0,54.456l-126.01,126.011 C238.327,348.4,228.472,352.159,218.618,352.159z\"><\/path><path style=\"opacity:0.15;fill:#145587;enable-background:new    ;\" d=\"M256,63.52c-106.304,0-192.479,86.175-192.479,192.479 c0,4.717,0.178,9.393,0.512,14.026c7.185-99.753,90.382-178.453,191.969-178.453s184.782,78.7,191.968,178.453 c0.334-4.633,0.512-9.308,0.512-14.026C448.479,149.696,362.304,63.52,256,63.52z\"><\/path><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t\tOther\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-767db467 elementor-widget elementor-widget-heading\" data-id=\"767db467\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Choose a Merchant Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2afc520e elementor-widget elementor-widget-text-editor\" data-id=\"2afc520e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although the process of <b>how a merchant account works<\/b> is fairly straightforward, there are a few things that you will want to consider when choosing your provider and if they\u2019re the best choice for your business.&nbsp;<\/p>\n<p><strong>Fees<\/strong><br>This will be how much you will pay your <b>merchant account provider<\/b> to use their service. There are several types of fees you will have to pay, all of which need to be considered.&nbsp;<\/p>\n<p><strong>Contract Length<\/strong><br>Some people like having longer contracts so they don\u2019t have to worry about constantly renewing them, while others prefer shorter-term deals so they can switch providers on a semi-regular basis.&nbsp;<\/p>\n<p><strong>Customer Service<\/strong><br>If there are technical issues, how quickly will they be resolved, and will you be compensated for any downtime? You may have thought you had found your ideal provider, but if their customer service is terrible, it may be worth finding someone else.<\/p>\n<p><strong>Hidden Fees<\/strong><br>Common hidden fees include things such as set-up &amp; exit fees or terminal rental costs that may not be stated in the initial chats with providers.<\/p>\n<p><strong>Ease Of Use<\/strong><br>You want things to be as easy as possible and don\u2019t want to waste your time trying to figure out an overly complicated card reader. Sometimes you just need an app on your phone and a card reader, and you\u2019re ready to start taking payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1aa9edee e-flex e-con-boxed e-con e-child\" data-id=\"1aa9edee\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-138abc30 elementor-widget elementor-widget-heading\" data-id=\"138abc30\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ready to Get Merchant Account?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68bc5cf7 elementor-widget elementor-widget-text-editor\" data-id=\"68bc5cf7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Commercial Experts<\/b> is here to help. We\u2019ve got partners within the financial industry, and they\u2019re ready to offer you the merchant account you&#8217;re looking for.\u00a0\u00a0<\/p><p>All you have to do is answer a few questions about your business, and you\u2019ll receive a selection of quotes from some of the country\u2019s leading merchant account providers.\u00a0<\/p><p>So, if you want to <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">compare merchant accounts<\/a> now and get started with <b>card payments<\/b>, click the button below to get started. You could already be only a few minutes away from taking the next step in <b>modernising your business<\/b> and<b> boosting your profits<\/b>.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fc2839d elementor-widget elementor-widget-shortcode\" data-id=\"2fc2839d\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3439\" class=\"elementor elementor-3439\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-635b04b e-con-full e-flex e-con e-child\" data-id=\"635b04b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-84bb5ca e-con-full e-flex e-con e-child\" data-id=\"84bb5ca\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d82d79 elementor-widget elementor-widget-heading\" data-id=\"2d82d79\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Compare Quotes From Merchant Account Providers, Today.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3020941 e-con-full e-flex e-con e-child\" data-id=\"3020941\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38f1ef9 elementor-widget elementor-widget-heading\" data-id=\"38f1ef9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Do you currently accept card payments?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0fafdd3 e-grid e-con-full e-con e-child\" data-id=\"0fafdd3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f00671f elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"f00671f\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Yes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-399e018 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"399e018\" data-element_type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">No<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8278c9e elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8278c9e\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 1080 1080\" style=\"enable-background:new 0 0 1080 1080;\" xml:space=\"preserve\"><style 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M-135.3-121.1c0.1-0.1,0.2-0.3,0.3-0.4s0.3-0.2,0.4-0.3c74.4-74.2,194.7-74.2,269.1,0    c0.1,0.1,0.3,0.2,0.4,0.3c0.1,0.1,0.2,0.3,0.3,0.4c74.2,74.4,74.2,194.7,0,269.1c-0.1,0.1-0.2,0.3-0.3,0.4s-0.3,0.2-0.4,0.3    c-74.4,74.2-194.7,74.2-269.1,0c-0.1-0.1-0.3-0.2-0.4-0.3c-0.1-0.1-0.2-0.3-0.3-0.4C-209.5,73.6-209.5-46.8-135.3-121.1z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 188.35 -153.35)\">\t\t\t<path class=\"st1\" d=\"M-30.7-18.4l12.3-12.3c3.4-3.4,8.9-3.4,12.3,0L30.7,6.1    c3.4,3.4,3.4,8.9,0,12.3L18.4,30.7c-3.4,3.4-8.9,3.4-12.3,0L-30.7-6.1C-34.1-9.5-34.1-15-30.7-18.4z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 39.05)\">\t\t\t<path class=\"st1\" d=\"M17.4,0c0,9.6-7.8,17.4-17.4,17.4S-17.4,9.6-17.4,0S-9.6-17.4,0-17.4    S17.4-9.6,17.4,0z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 38.83)\">\t\t\t<path class=\"st1\" d=\"M-138.8,0.2c0,4.8-3.9,8.7-8.7,8.7h-25.6c2,39.9,17.7,78,44.6,107.6    l18.1-18.1c2.2-2.3,5.4-3.2,8.4-2.4c3,0.8,5.4,3.2,6.2,6.2c0.8,3-0.1,6.3-2.4,8.4l-18.1,18.1c29.6,26.9,67.6,42.6,107.6,44.6    v-25.6c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7v25.6c39.9-2,78-17.7,107.6-44.6l-18.1-18.1c-3.3-3.4-3.2-8.8,0.1-12.2    c3.3-3.3,8.8-3.4,12.2-0.1l18.1,18.1c26.9-29.6,42.6-67.6,44.6-107.6h-25.6c-4.8,0-8.7-3.9-8.7-8.7s3.9-8.7,8.7-8.7h25.6    c-2-39.9-17.7-78-44.6-107.6L110.4-98c-2.2,2.3-5.4,3.2-8.4,2.4c-3-0.8-5.4-3.2-6.2-6.2c-0.8-3,0.1-6.3,2.4-8.4l18.1-18.1    c-65.9-60.1-166.6-60.1-232.5,0l18.1,18.1c2.3,2.2,3.2,5.4,2.4,8.4c-0.8,3-3.2,5.4-6.2,6.2c-3,0.8-6.3-0.1-8.4-2.4l-18.1-18.1    c-26.9,29.6-42.6,67.6-44.6,107.6h25.6C-142.7-8.5-138.8-4.6-138.8,0.2z M-8.7-33.3v-114c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7    v114c16.9,4.4,28,20.6,25.8,38S17.5,35.1,0,35.1s-32.2-13-34.4-30.3C-36.6-12.6-25.6-28.9-8.7-33.3z\"><\/path>\t\t<\/g>\t<\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">It only takes a minute.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6dc8f9ac e-con-full e-flex e-con e-child\" data-id=\"6dc8f9ac\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23022f6e elementor-widget elementor-widget-heading\" data-id=\"23022f6e\" data-element_type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c5f98dc elementor-widget elementor-widget-n-accordion\" data-id=\"2c5f98dc\" data-element_type=\"widget\" id=\"faq-box\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7440\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-7440\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does a merchant account cost? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7440\" class=\"elementor-element elementor-element-ff8b37d e-con-full e-flex e-con e-child\" data-id=\"ff8b37d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d97b96c elementor-widget elementor-widget-text-editor\" data-id=\"4d97b96c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The amount you pay for your merchant account will depend on several factors, such as your industry, the length of time you\u2019ve been trading for, the type of merchant account you have, and the acquiring bank you choose.\u00a0\u00a0<\/p><p>While it\u2019s frustrating to not know right from the get-go how much a merchant account is likely to cost, you can get fully informed about the kinds of costs you can expect to pay by reading our guide on <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\">merchant account fees<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7441\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7441\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need a merchant account? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7441\" class=\"elementor-element elementor-element-40361977 e-con-full e-flex e-con e-child\" data-id=\"40361977\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10490de5 elementor-widget elementor-widget-text-editor\" data-id=\"10490de5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Probably, yes. Unless you have a brick-and-mortar business and are happy to only accept cash payments for the foreseeable future, you need a merchant account. While there are ways to accept card payments without one, the alternatives can often end up costing you more.\u00a0 \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7442\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7442\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are the types of merchant accounts? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7442\" class=\"elementor-element elementor-element-92f936e e-flex e-con-boxed e-con e-child\" data-id=\"92f936e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0a1dbf elementor-widget elementor-widget-text-editor\" data-id=\"a0a1dbf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Whichever type of merchant account you choose, it will fall into one of the three following categories:<\/p><ul><li>Aggregated<\/li><li>Dedicated<\/li><li>High-Risk<\/li><\/ul><p><br \/>The categories are suited to different kinds of businesses. The one your business suits best depends on your specific circumstances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How much does a merchant account cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The amount you pay for your merchant account will depend on several factors, such as your industry, the length of time you\\u2019ve been trading for, the type of merchant account you have, and the acquiring bank you choose.\\u00a0\\u00a0While it\\u2019s frustrating to not know right from the get-go how much a merchant account is likely to cost, you can get fully informed about the kinds of costs you can expect to pay by reading our guide on merchant account fees.\"}},{\"@type\":\"Question\",\"name\":\"Do I need a merchant account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Probably, yes. Unless you have a brick-and-mortar business and are happy to only accept cash payments for the foreseeable future, you need a merchant account. While there are ways to accept card payments without one, the alternatives can often end up costing you more.\\u00a0 \\u00a0\"}},{\"@type\":\"Question\",\"name\":\"What are the types of merchant accounts?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Whichever type of merchant account you choose, it will fall into one of the three following categories:AggregatedDedicatedHigh-RiskThe categories are suited to different kinds of businesses. The one your business suits best depends on your specific circumstances.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ab3ab5c elementor-widget elementor-widget-shortcode\" data-id=\"4ab3ab5c\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3454\" class=\"elementor elementor-3454\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7aaa7ff9 e-con-full e-flex e-con e-child\" data-id=\"7aaa7ff9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-421e38f0 elementor-widget elementor-widget-heading\" data-id=\"421e38f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What's Trending?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fbd1e48 elementor-widget elementor-widget-heading\" data-id=\"6fbd1e48\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Find out how you could save your business money<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-331520ba e-con-full e-flex e-con e-child\" data-id=\"331520ba\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-11c842ef e-con-full e-flex e-con e-child\" data-id=\"11c842ef\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260e281f elementor-grid-1 elementor-grid-tablet-1 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.elementor-element.elementor-element-4788e55 > .elementor-widget-container{margin:0px 0px 0px 0px;padding:0px 3px 0px 0px;}.elementor-1921 .elementor-element.elementor-element-4788e55.elementor-element{--flex-grow:0;--flex-shrink:0;}.elementor-1921 .elementor-element.elementor-element-4788e55{text-align:left;}.elementor-1921 .elementor-element.elementor-element-4788e55 .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:12px;font-weight:700;text-transform:capitalize;text-decoration:none;line-height:2.25em;letter-spacing:-0.01em;word-spacing:0em;color:#FFFFFF;}.elementor-1921 .elementor-element.elementor-element-985fef4 > .elementor-widget-container{padding:0px 0px 0px 0px;}.elementor-1921 .elementor-element.elementor-element-985fef4{text-align:right;}.elementor-1921 .elementor-element.elementor-element-985fef4 .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:12px;font-weight:700;text-transform:uppercase;font-style:normal;text-decoration:none;line-height:2.25em;letter-spacing:-0.01em;word-spacing:0em;color:#FFFFFF;}@media(max-width:1024px){.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{font-size:14px;}}@media(max-width:767px){.elementor-1921 .elementor-element.elementor-element-5b59782{--min-height:340px;}.elementor-1921 .elementor-element.elementor-element-d50222e{text-align:left;}.elementor-1921 .elementor-element.elementor-element-d50222e .elementor-heading-title{font-size:20px;}.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{text-align:left;font-size:13px;}.elementor-1921 .elementor-element.elementor-element-7a41ec7{--justify-content:flex-start;}.elementor-1921 .elementor-element.elementor-element-4788e55{width:var( --container-widget-width, auto );max-width:auto;--container-widget-width:auto;--container-widget-flex-grow:0;text-align:left;}.elementor-1921 .elementor-element.elementor-element-4788e55 .elementor-heading-title{font-size:12px;line-height:1.2em;}.elementor-1921 .elementor-element.elementor-element-985fef4 .elementor-heading-title{font-size:12px;line-height:1.2em;}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1921\" class=\"elementor elementor-1921 e-loop-item e-loop-item-25210 post-25210 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine tag-lopay content_type-guides\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-5b59782 e-con-full e-flex e-con e-parent\" data-id=\"5b59782\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/lopay-card-machine-fees-card-readers-and-how-it-works\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d50222e elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"d50222e\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">LoPay Card Machine: Fees, Card Readers, and How It Works<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a41ec7 e-con-full e-flex e-con e-child\" data-id=\"7a41ec7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4788e55 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"4788e55\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">By Stephen Thompson -<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-985fef4 elementor-widget elementor-widget-heading\" data-id=\"985fef4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">22 Jan 2026<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7db9f307 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7db9f307\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12b16c1 elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"12b16c1\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;1&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25230 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-stripe content_type-guides\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png\" class=\"attachment-full size-full wp-image-25231\" alt=\"Stripe Payments Explained for UK Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-300x200.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-768x512.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\">\n\t\t\t\tStripe Payments Explained for UK Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>What Are Stripe Payments? Stripe Payments is a payment processing service provided by Stripe that allows<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3582 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-best-of\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1400\" height=\"934\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg\" class=\"attachment-full size-full wp-image-21175\" alt=\"contactless payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg 1400w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-300x200.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-1024x683.jpg 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-768x512.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">\n\t\t\t\tBest Card Machines For Your Small Business: 2025 Round-Up\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Your business needs a card machine that&#8217;s suited to you and your customers: here&#8217;s our breakdown<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12145 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine content_type-how-to\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png\" class=\"attachment-full size-full wp-image-12954\" alt=\"Your Guide to Taking Card Payments In-Person and Online\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">\n\t\t\t\tHow to Take Credit Card Payments In 2025\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Taking card payments is key to business growth, here\u2019s how it works in-person and online. Taking<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74eb876c elementor-align-right elementor-widget elementor-widget-button\" data-id=\"74eb876c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-593ac371 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-child\" data-id=\"593ac371\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0beba2 elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"7e0beba2\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25468 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-dojo content_type-guides\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/dojo-card-machine-independent-uk-guide-for-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1360\" height=\"965\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses.webp\" class=\"attachment-full size-full wp-image-25469\" alt=\"Dojo Card Machine: Independent UK Guide for Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses.webp 1360w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses-300x213.webp 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses-1024x727.webp 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Dojo-Card-Machine-Independent-UK-Guide-for-Businesses-768x545.webp 768w\" sizes=\"(max-width: 1360px) 100vw, 1360px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/dojo-card-machine-independent-uk-guide-for-businesses\/\">\n\t\t\t\tDojo Card Machine: Independent UK Guide for Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25230 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-stripe content_type-guides\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png\" class=\"attachment-full size-full wp-image-25231\" alt=\"Stripe Payments Explained for UK Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-300x200.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-768x512.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\">\n\t\t\t\tStripe Payments Explained for UK Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3582 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-best-of\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1400\" height=\"934\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg\" class=\"attachment-full size-full wp-image-21175\" alt=\"contactless payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg 1400w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-300x200.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-1024x683.jpg 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-768x512.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">\n\t\t\t\tBest Card Machines For Your Small Business: 2025 Round-Up\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78ed3168 elementor-align-right elementor-mobile-align-right elementor-widget elementor-widget-button\" data-id=\"78ed3168\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Merchant accounts provide payment processing solutions for small and large businesses; here&#8217;s a closer look at what they offer. Merchant accounts provide payment processing solutions for small and large businesses;<\/p>\n","protected":false},"author":4,"featured_media":12965,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,41],"tags":[],"content_type":[145],"ppma_author":[14],"class_list":["post-12166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-merchant-accounts","category-merchant-accounts-guide","content_type-sector-explainers"],"acf":[],"authors":[{"term_id":14,"user_id":4,"is_guest":0,"slug":"adam-jackson-wright","display_name":"Adam Jackson-Wright","avatar_url":{"url":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png","url2x":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/06\/DSC08189-1-1-e1749120945402.png"},"first_name":"Adam","last_name":"Jackson-Wright","user_url":"","job_title":"","description":"Copywriter"}],"_links":{"self":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/12166","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/comments?post=12166"}],"version-history":[{"count":235,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/12166\/revisions"}],"predecessor-version":[{"id":25319,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/12166\/revisions\/25319"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media\/12965"}],"wp:attachment":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media?parent=12166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/categories?post=12166"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/tags?post=12166"},{"taxonomy":"content_type","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/content_type?post=12166"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/ppma_author?post=12166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}