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}\n    100% {\n        transform: translate(-50%, -50%) rotate(360deg);\n    }\n}\/* End custom CSS *\/<\/style>\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\" data-e-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\" data-e-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\" data-e-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-e-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-e-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-e-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\" data-e-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\" data-e-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\" 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elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"97fb6a2\" data-element_type=\"container\" data-e-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-e-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\" data-e-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-e-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-e-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-e-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-e-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-e-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-61353e1c e-con-full e-flex e-con e-child\" data-id=\"61353e1c\" data-element_type=\"container\" data-e-type=\"container\" id=\"main-artcon\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c5487f9 elementor-hidden-desktop elementor-widget elementor-widget-shortcode\" data-id=\"5c5487f9\" data-element_type=\"widget\" data-e-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\" data-e-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-e-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\">Takepayments vs PayPal Point of Sale<\/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-6aa2d847 elementor-widget elementor-widget-shortcode\" data-id=\"6aa2d847\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style id=\"elementor-post-7135\">.elementor-7135 .elementor-element.elementor-element-cd8505a{--display:flex;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:10px;--padding-bottom:10px;--padding-left:0px;--padding-right:0px;}.elementor-7135 .elementor-element.elementor-element-c726538 > .elementor-widget-container{margin:0px 0px 0px 0px;padding:0px 0px 0px 0px;}<\/style>\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7135\" class=\"elementor elementor-7135\" 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href=\"https:\/\/commercialexperts.com\/uk\/authors\/stephen-thompson\/\"><h4>Stephen Thompson<\/h4><p>Content Writer<\/p><\/a><\/div><\/div><div class='tfli_post_details'><p>Last updated 06\/11\/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<div class=\"elementor-element elementor-element-6eee5f46 e-con-full e-flex e-con e-child\" data-id=\"6eee5f46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8bad40 elementor-widget elementor-widget-text-editor\" data-id=\"b8bad40\" data-element_type=\"widget\" data-e-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 data-pm-slice=\"1 1 []\"><strong><em>Last reviewed: October 2026. Fees, provider arrangements, and product availability can change.<\/em><\/strong><\/p><p>A merchant account enables businesses to accept and settle credit and debit card payments. Unlike a business bank account, it supports payment processing rather than traditional banking. Some payment service providers (PSPs) bundle these functions, while others offer the key merchant account components separately.<\/p><h2>What Is a Merchant Account?<\/h2><p>A merchant account is a payment-processing arrangement that enables your business to accept credit and debit card payments. It works alongside an acquiring bank or payment provider to authorise, transfer, and settle funds into your business bank account.<\/p><h3>What Does a Merchant Account Actually Do?<\/h3><p>When you accept a card payment, the funds don&#8217;t automatically transfer into your business bank account. First, the transaction must be authorised and processed through a series of payment systems.<\/p><p>That&#8217;s where the merchant account comes in. It allows your acquiring provider to handle card-payment settlement before the funds reach your business bank account.<\/p><p>Unlike a merchant account, your business bank account is used for everyday financial activities, such as paying suppliers, managing expenses, and receiving settled payments.<\/p><h3>Do All Businesses Get Their Own Merchant Account?<\/h3><p>Not always, as there are two main arrangements:<\/p><ul data-spread=\"false\"><li><p><strong>Dedicated merchant accounts:<\/strong> Your business has its own acquiring arrangement, with terms and pricing agreed with the provider.<\/p><\/li><li><p><strong>Aggregated accounts:<\/strong> Payment facilitators allow multiple businesses to accept card payments through a shared acquiring arrangement, without each business opening a separate dedicated merchant account.<\/p><\/li><\/ul><p>Both support card-payment acceptance, but their contractual and operational arrangements differ.<\/p><h2>How Does a Merchant Account Work?<\/h2><p>A merchant account works alongside payment processors, acquiring banks, and card networks to support card payment authorisation and settle funds into your business bank account. Although the process involves several parties, most card payments are authorised within seconds.<\/p><h3>Who Is Involved in Processing a Card Payment?<\/h3><p>The main parties involved are:<\/p><p><strong>Customer\/cardholder:<\/strong> The person making the card payment.<\/p><p><strong>Issuing bank:<\/strong> The institution that issued the customer&#8217;s card and decides whether to approve or decline the transaction.<\/p><p><strong>Card scheme:<\/strong> Networks such as Visa and Mastercard that connect issuing banks and acquiring providers.<\/p><p><strong>Acquirer\/acquiring bank:<\/strong> The provider responsible for acquiring card transactions on your business&#8217;s behalf.<\/p><p><strong>Payment processor:<\/strong> The service that processes and routes transaction information between the relevant parties.<\/p><p><strong>Merchant:<\/strong> Your business, which accepts the payment.<\/p><p><strong>Business bank account:<\/strong> The account that receives your settled payments.<\/p><p>Some payment providers combine several of these functions into one service.<\/p><h3>The Card-Payment Process Explained<\/h3><p><strong>1. The customer makes a payment:<\/strong> Your customer presents their card at a terminal or enters their payment details through an online checkout. The information is transmitted securely.<\/p><p><strong>2. The payment is sent for authorisation:<\/strong> The processor and acquirer route the request through the card scheme to the issuing bank, which checks whether the transaction can proceed.<\/p><p><strong>3. The transaction is approved or declined:<\/strong> The issuer returns its decision through the payment network. An approved transaction does not mean the funds have reached your bank account.<\/p><p><strong>4. Clearing and settlement take place:<\/strong> Approved transactions go through clearing and settlement via the acquiring arrangement. Depending on the provider, processing fees or adjustments may be deducted from the payout or charged separately.<\/p><p><strong>5. Your business receives its payout:<\/strong> The provider transfers the funds to your nominated business bank account according to its settlement schedule<\/p><h3 data-pm-slice=\"1 1 []\">Simple payment-flow diagram<span id=\"docs-internal-guid-1c97d518-7fff-6b28-e20c-795f7af815de\"><\/span><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0eb0972 e-grid e-con-full elementor-hidden-mobile e-con e-child\" data-id=\"0eb0972\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f2f13f elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4f2f13f\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"flow-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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCustomer <br>payment\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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-c2c01bb elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c2c01bb\" data-element_type=\"widget\" data-e-type=\"widget\" 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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPayment processing\/ acquiring infrastructure\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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-bdb910f elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bdb910f\" data-element_type=\"widget\" data-e-type=\"widget\" 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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCard scheme and issuing bank authorisation\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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-0e19816 elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"0e19816\" data-element_type=\"widget\" data-e-type=\"widget\" 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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClearing and settlement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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-e0f1ae1 elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e0f1ae1\" data-element_type=\"widget\" data-e-type=\"widget\" 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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBusiness bank account payout\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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<div class=\"elementor-element elementor-element-5a78e62 e-grid e-con-full elementor-hidden-desktop elementor-hidden-tablet e-con e-child\" data-id=\"5a78e62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-418d6e1 elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"418d6e1\" data-element_type=\"widget\" data-e-type=\"widget\" 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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCustomer <br>payment\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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-cf998eb elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"cf998eb\" data-element_type=\"widget\" data-e-type=\"widget\" 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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPayment processing\/ acquiring infrastructure\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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-5f1e4f8 elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5f1e4f8\" data-element_type=\"widget\" data-e-type=\"widget\" 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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCard scheme and issuing bank authorisation\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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-783b65c elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"783b65c\" data-element_type=\"widget\" data-e-type=\"widget\" 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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClearing and settlement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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-6376c4c elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6376c4c\" data-element_type=\"widget\" data-e-type=\"widget\" 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<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/span>\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<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBusiness bank account payout\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\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 class=\"elementor-element elementor-element-60b5f12 elementor-widget elementor-widget-text-editor\" data-id=\"60b5f12\" data-element_type=\"widget\" data-e-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<h2 data-pm-slice=\"1 1 []\">Do You Need a Merchant Account to Accept Card Payments?<\/h2><p>Yes, to accept credit and debit payments, your business requires merchant acquiring functionality. However, that doesn&#8217;t necessarily mean you need your own dedicated merchant account. Depending on your business requirements, you may choose a traditional acquiring arrangement with a dedicated merchant account or use a payment service provider (PSP) that offers bundled payment services, potentially through an aggregated arrangement.<\/p><h3>When Might You Need a Dedicated Merchant Account?<\/h3><p>A dedicated merchant account may suit your business if you:<\/p><ul data-spread=\"false\"><li><p>Process substantial or consistent card-payment volumes.<\/p><\/li><li><p>Want individually negotiated processing fees and contract terms.<\/p><\/li><li><p>Need specific settlement schedules, reporting, or integrations.<\/p><\/li><li><p>Prefer a separately contracted acquiring relationship.<\/p><\/li><\/ul><p>Although they offer greater flexibility, dedicated arrangements aren&#8217;t automatically cheaper even if you&#8217;re a higher-volume business.<\/p><h3>Can You Accept Payments Without a Separate Merchant Account?<\/h3><p>Yes. Payment facilitators and some bundled PSPs allow you to accept card payments under a shared acquiring agreement. This is also known as an aggregated model and does not require you to open a dedicated merchant account.<\/p><p>Providers such as Square, SumUp and Stripe offer integrated payment services that simplify card acceptance. Acquiring arrangements, eligibility requirements and contractual terms may differ per provider.<\/p><h3>You May Need a Payment-Acceptance Arrangement If:<\/h3><ul data-spread=\"false\"><li><p>You accept card payments in person.<\/p><\/li><li><p>You sell products or services online.<\/p><\/li><li><p>You take card payments over the telephone.<\/p><\/li><li><p>You collect recurring card payments.<\/p><\/li><li><p>You accept payment links or other remote card payments.<\/p><\/li><\/ul><p>The services, equipment, and account arrangements you need will depend on your chosen provider.<\/p><h2>Merchant Account vs Payment Gateway vs Business Bank Account<\/h2><p>Although they often work alongside each other, a merchant account, payment gateway, payment processor, and business bank account each perform different functions. Depending on your provider, these may be bundled together.<\/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-50f0fd4e elementor-widget elementor-widget-shortcode\" data-id=\"50f0fd4e\" data-element_type=\"widget\" data-e-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\">\n<table id=\"tablepress-79\" class=\"tablepress tablepress-id-79\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Component<\/th><th class=\"column-2\">What it does<\/th><th class=\"column-3\">When it is used<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Merchant account arrangement<\/td><td class=\"column-2\">Supports card payment acquiring and settlement<\/td><td class=\"column-3\">Accepting card payments<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Payment gateway<\/td><td class=\"column-2\">Securely transmits payment information between payment systems<\/td><td class=\"column-3\">Online and remote payments<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Payment processor<\/td><td class=\"column-2\">Processes and routes transaction information<\/td><td class=\"column-3\">Processing card transactions<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Acquirer<\/td><td class=\"column-2\">Acquires card transactions on behalf of your business<\/td><td class=\"column-3\">Underlying card acceptance<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Business bank account<\/td><td class=\"column-2\">Receives payouts and manages everyday business finances<\/td><td class=\"column-3\">General business banking<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-79 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e05bc4a e-con-full e-flex e-con e-child\" data-id=\"e05bc4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6403c2d elementor-widget elementor-widget-text-editor\" data-id=\"6403c2d\" data-element_type=\"widget\" data-e-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<h3 data-pm-slice=\"1 1 []\">Why Can One Provider Offer Several Services?<\/h3><p>Payment service providers (PSPs) often bundle payment acceptance, processing, and online checkout into one service. This can simplify your setup, with some providers combining multiple payment-related charges into a single transaction fee. If you enter a traditional arrangement, acquiring, gateway, and processing may be split between providers. That&#8217;s not to say that bundled packages always operate under the same contractual or acquiring structure.<\/p><p>Before committing to any provider, ensure you understand what is included in your agreement and how you are charged.<\/p><h3>Do Online Businesses Need a Payment Gateway and Merchant Account?<\/h3><p>Although you require both a payment gateway and a merchant account to securely process online payments, you don&#8217;t necessarily need separate contracts. Some PSPs package these functions together, while other arrangements may require you to use separate providers.<\/p><p>Your choice should consider your ecommerce platform, integration requirements, payment methods and overall costs.<\/p><p>Compare your options in our Best Payment Gateway Providers guide.<\/p><h2>What Are the Different Merchant Account Arrangements?<\/h2><p>Not all merchant accounts are the same, and they can be categorised by acquiring arrangement, payment channel, or business risk profile. These factors are not mutually exclusive, and the right type of merchant account for your business depends on how your business accepts payments and its processing requirements.<\/p><h3>Dedicated Merchant Accounts<\/h3><p>A dedicated merchant account gives your business its own acquiring arrangement, established directly with an acquirer or through an intermediary.<\/p><p>Typically, these accounts involve individual underwriting and contractual terms. Some dedicated merchant account providers may also offer negotiated or tailored pricing, but this should not be assumed as a guarantee, and monthly charges, fixed contracts, and additional service fees may apply.<\/p><p>A dedicated merchant account may suit your business if you have more complex processing, reporting or settlement requirements, or process a higher volume of sales and\/or higher transaction value.<\/p><h3>Aggregated Merchant Accounts and PSPs<\/h3><p>Aggregated merchant accounts group multiple businesses under a shared master account, allowing them to accept card payments through a shared acquiring structure managed by a payment facilitator.<\/p><p>These services may combine payment acceptance, processing, and settlement, often with simpler onboarding and flat-rate pricing.<\/p><p>You must still meet the provider&#8217;s verification requirements, and payouts may be delayed or reserves imposed depending on your business&#8217;s risk profile.<\/p><h3>Internet Merchant Accounts<\/h3><p>An internet merchant account works alongside a payment gateway, processors, and acquiring services to accept and process online card payments.<\/p><p>Online card payments can present different fraud risks from in-person transactions, so providers may use additional fraud prevention and customer authentication measures. Some providers may include this functionality in a package, while others may charge separately.<\/p><h3>Retail and In-Person Merchant Accounts<\/h3><p>Retail merchant accounts support card-present transactions through card terminals or point-of-sale systems, including contactless and chip-and-PIN transactions. Some providers will also support online payments alongside in-person transactions. This makes them a strong option if you sell from a physical and online store.<\/p><h3>Higher-Risk Merchant Account Arrangements<\/h3><p>Providers assess risk using factors such as your industry, business model, trading history, fraud exposure, chargebacks and delivery arrangements.<\/p><p>If a provider considers your business higher-risk, you may face increased fees, additional restrictions or reserve requirements. Some providers may decline your application altogether, meaning you may need a specialist merchant account provider.<\/p><p>Whether your business is considered higher-risk depends on the provider&#8217;s eligibility criteria and underwriting assessment, although certain risk factors are recognised across the payments industry.<\/p><p>To learn more, check out our High-Risk Merchant Accounts guide.<\/p><h2>How Much Does a Merchant Account Cost?<\/h2><p>The headline transaction rate is just one fee that you may pay when using a merchant account. Depending on your provider, payment methods, transaction volume, and pricing arrangement, you may also incur other costs. Some providers may charge a flat transaction rate, while others combine percentage-based fees with fixed charges or monthly commitments.<\/p><h3>Common Merchant Account Fees<\/h3><p>Depending on your provider and agreement, merchant account fees include:<\/p><p><strong>Transaction fees:<\/strong> Percentage-based or blended charges applied to card payments.<\/p><p><strong>Authorisation fees:<\/strong> Fixed charges for processing transaction authorisation requests.<\/p><p><strong>Monthly account fees:<\/strong> Recurring charges for maintaining merchant services.<\/p><p><strong>Minimum monthly charges:<\/strong> A minimum fee payable when your qualifying processing charges fall below an agreed threshold.<\/p><p><strong>Payment gateway fees:<\/strong> Separate charges for online payment-processing services.<\/p><p><strong>Card terminal costs:<\/strong> Purchase, rental, or subscription fees for payment hardware.<\/p><p><strong>PCI-related fees:<\/strong> Charges for compliance support or non-compliance, where applicable.<\/p><p><strong>Refund and chargeback fees:<\/strong> Charges or adjustments associated with refunds and disputed transactions.<\/p><p><strong>Currency conversion fees:<\/strong> Additional costs when processing payments involving currency conversion.<\/p><p><strong>Other charges:<\/strong> Setup, optional faster settlement, additional services or early termination fees, where applicable.<\/p><h3>Why the Headline Transaction Rate Isn&#8217;t the Whole Cost<\/h3><p>When comparing providers, always look beyond the headline transaction rate, as this only makes up a portion of your total cost.<\/p><p>A lower advertised transaction rate doesn&#8217;t always mean lower overall costs.<\/p><p>For example, your monthly card turnover, transaction count, average transaction value, card types, and proportion of online versus in-person payments can all affect what you pay. If these factors push up your overall costs, it may not be the most cost-effective option, even with a low transaction rate.<\/p><p>Fixed monthly charges, equipment, and additional services also influence the total and vary by provider.<\/p><p>To compare providers fairly, calculate your complete processing costs using the same transaction profile rather than focusing on the advertised percentage alone.<\/p><p>If you&#8217;d like to learn more about the topic, we have an entire guide dedicated to Card Processing Fees.<\/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-bfae105 elementor-widget elementor-widget-heading\" data-id=\"bfae105\" data-element_type=\"widget\" data-e-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 Do You Apply for 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-2bdb5cc elementor-widget elementor-widget-text-editor\" data-id=\"2bdb5cc\" data-element_type=\"widget\" data-e-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>Applying for a dedicated merchant account involves choosing a suitable provider, submitting business information, and completing underwriting checks. The process varies between providers, while bundled payment service providers (PSPs) may offer a more streamlined onboarding process.<\/p><p>If you&#8217;re still unsure how to apply for a merchant account, follow this step-by-step guide.<\/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-1768963 e-con-full e-flex e-con e-child\" data-id=\"1768963\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0e86e04 e-con-full e-flex e-con e-child\" data-id=\"0e86e04\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-0d8273c e-con-full e-flex e-con e-child\" data-id=\"0d8273c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-20656bd e-con-full e-flex e-con e-child\" data-id=\"20656bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-715aa9e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"715aa9e\" data-element_type=\"widget\" data-e-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<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 512 512\" width=\"512\"><g><g clip-rule=\"evenodd\" fill-rule=\"evenodd\"><path d=\"m336.41 187.487h95.138c15.064 0 27.366 12.33 27.366 27.365v136.828c0 15.064-12.302 27.365-27.366 27.365h-105.503c8.97-62.249 13.612-125.921 10.365-191.558z\" fill=\"#fff0af\"><\/path><path d=\"m406.433 187.487h25.115c15.064 0 27.366 12.33 27.366 27.365v136.828c0 15.064-12.302 27.365-27.366 27.365h-25.115c15.064 0 27.365-12.302 27.365-27.365v-136.827c0-15.036-12.302-27.366-27.365-27.366z\" fill=\"#ffe07d\"><\/path><path d=\"m93.225 86.227h209.099c18.055 0 30.413 14.95 32.833 32.832 17.114 126.462 1.851 245.322-21.898 360.108-3.645 17.684-14.779 32.833-32.832 32.833h-165.304c-18.054 0-29.188-15.149-32.833-32.832-23.749-114.787-39.012-233.647-21.898-360.109 2.42-17.882 14.78-32.832 32.833-32.832z\" fill=\"#365e7d\"><\/path><path d=\"m277.209 86.227h25.115c18.055 0 30.413 14.95 32.833 32.832 17.114 126.462 1.851 245.322-21.898 360.108-3.645 17.684-14.779 32.833-32.832 32.833h-25.117c18.054 0 29.189-15.149 32.833-32.832 23.75-114.787 39.013-233.646 21.898-360.108-2.42-17.883-14.778-32.833-32.832-32.833z\" fill=\"#2b4d66\"><\/path><path d=\"m200.438 145.884h-86.51v-123.187c0-5.183 2.107-9.739 6.236-13.1l8.486-6.891c4.3-3.474 8.314-3.389 12.472 0l8.485 6.891c4.129 3.361 8.116 3.532 12.473 0l8.486-6.891c4.812-3.902 8.4-3.303 12.501 0l8.457 6.891c6.008 4.87 11.704 4.955 17.826 0l8.486-6.891c4.101-3.303 7.661-3.902 12.473 0l8.486 6.891c4.357 3.532 8.373 3.361 12.473 0l8.486-6.891c4.186-3.389 8.201-3.474 12.501 0l8.458 6.891c4.158 3.361 6.236 7.917 6.236 13.1v123.187z\" fill=\"#f9f7f8\"><\/path><path d=\"m253.432 7.832 6.321-5.125c4.186-3.389 8.201-3.474 12.501 0l8.458 6.891c4.158 3.361 6.236 7.917 6.236 13.1v123.187h-25.088v-123.188c0-5.183-2.107-9.739-6.265-13.1z\" fill=\"#ebe8fa\"><\/path><path d=\"m121.957 181.051h151.634c4.414 0 8.03 3.617 8.03 8.03v92.434c0 4.414-3.616 8.03-8.03 8.03h-151.634c-4.414 0-8.03-3.616-8.03-8.03v-92.434c.001-4.412 3.617-8.03 8.03-8.03z\" fill=\"#bfe2ff\"><\/path><path d=\"m248.477 181.051h25.115c4.414 0 8.03 3.617 8.03 8.03v92.434c0 4.414-3.616 8.03-8.03 8.03h-25.115c4.414 0 8.03-3.616 8.03-8.03v-92.434c0-4.412-3.616-8.03-8.03-8.03z\" fill=\"#96d0ff\"><\/path><\/g><path d=\"m120.847 357.347c-3.815 0-6.919-3.36-6.919-7.518 0-4.157 3.104-7.546 6.919-7.546h29.046c3.816 0 6.891 3.389 6.891 7.546 0 4.158-3.075 7.518-6.891 7.518zm124.811 78.366c-3.816 0-6.92-3.389-6.92-7.546 0-4.158 3.104-7.518 6.92-7.518h29.045c3.815 0 6.919 3.359 6.919 7.518 0 4.157-3.104 7.546-6.919 7.546zm-62.392 0c-3.844 0-6.92-3.389-6.92-7.546 0-4.158 3.076-7.518 6.92-7.518h29.017c3.815 0 6.92 3.359 6.92 7.518 0 4.157-3.105 7.546-6.92 7.546zm-62.419 0c-3.815 0-6.919-3.389-6.919-7.546 0-4.158 3.104-7.518 6.919-7.518h29.046c3.816 0 6.891 3.359 6.891 7.518 0 4.157-3.075 7.546-6.891 7.546zm124.811-39.184c-3.816 0-6.92-3.359-6.92-7.518 0-4.186 3.104-7.546 6.92-7.546h29.045c3.815 0 6.919 3.36 6.919 7.546 0 4.158-3.104 7.518-6.919 7.518zm-62.392 0c-3.844 0-6.92-3.359-6.92-7.518 0-4.186 3.076-7.546 6.92-7.546h29.017c3.815 0 6.92 3.36 6.92 7.546 0 4.158-3.105 7.518-6.92 7.518zm-62.419 0c-3.815 0-6.919-3.359-6.919-7.518 0-4.186 3.104-7.546 6.919-7.546h29.046c3.816 0 6.891 3.36 6.891 7.546 0 4.158-3.075 7.518-6.891 7.518zm124.811-39.182c-3.816 0-6.92-3.36-6.92-7.518 0-4.157 3.104-7.546 6.92-7.546h29.045c3.815 0 6.919 3.389 6.919 7.546 0 4.158-3.104 7.518-6.919 7.518zm-62.392 0c-3.844 0-6.92-3.36-6.92-7.518 0-4.157 3.076-7.546 6.92-7.546h29.017c3.815 0 6.92 3.389 6.92 7.546 0 4.158-3.105 7.518-6.92 7.518z\" fill=\"#95d6a4\"><\/path><path d=\"m93.851 153.43c-4.185 0-7.546-3.389-7.546-7.546 0-4.158 3.361-7.518 7.546-7.518h207.847c4.157 0 7.546 3.36 7.546 7.518 0 4.157-3.389 7.546-7.546 7.546z\" fill=\"#22a6fe\"><\/path><path d=\"m140.923 94.37c-4.158 0-7.518-3.359-7.518-7.518 0-4.185 3.36-7.546 7.518-7.546h113.704c4.158 0 7.518 3.361 7.518 7.546 0 4.158-3.361 7.518-7.518 7.518zm0-30.127c-4.158 0-7.518-3.389-7.518-7.546 0-4.158 3.36-7.518 7.518-7.518h56.837c4.187 0 7.546 3.36 7.546 7.518 0 4.157-3.36 7.546-7.546 7.546z\" fill=\"#f37c7c\"><\/path><path clip-rule=\"evenodd\" d=\"m384.335 224.905h29.132c4.413 0 8.03 3.616 8.03 8.03v29.13c0 4.414-3.617 8.03-8.03 8.03h-29.132c-4.413 0-8.03-3.616-8.03-8.03v-29.13c0-4.414 3.617-8.03 8.03-8.03z\" fill=\"#f37c7c\" fill-rule=\"evenodd\"><\/path><path d=\"m391.369 297.206c0-4.158 3.389-7.546 7.546-7.546s7.518 3.388 7.518 7.546v54.759c0 4.157-3.361 7.518-7.518 7.518-4.158 0-7.546-3.36-7.546-7.518z\" fill=\"#365e7d\"><\/path><\/g><\/svg>\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-42a3d4d e-con-full e-flex e-con e-child\" data-id=\"42a3d4d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8e5e9c elementor-widget elementor-widget-heading\" data-id=\"d8e5e9c\" data-element_type=\"widget\" data-e-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 1<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e6e161 elementor-widget elementor-widget-heading\" data-id=\"7e6e161\" data-element_type=\"widget\" data-e-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\">Identify Your Payment Requirements\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1baf1b elementor-widget elementor-widget-text-editor\" data-id=\"c1baf1b\" data-element_type=\"widget\" data-e-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 first thing you need to do is establish how your business accepts payments. This could include in-person payments, online checkout, or mail order and telephone order (MOTO) transactions.<\/p><p>Then look at your expected monthly card turnover, average transaction value, business sector, and customer locations. Also identify any currency, card terminal, checkout, or software integration requirements.<\/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-28a1eb0 e-con-full e-flex e-con e-child\" data-id=\"28a1eb0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-12dfd61 e-con-full e-flex e-con e-child\" data-id=\"12dfd61\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3f13169 e-con-full e-flex e-con e-child\" data-id=\"3f13169\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2232379 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2232379\" data-element_type=\"widget\" data-e-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-search\"><\/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-5720e33 e-con-full e-flex e-con e-child\" data-id=\"5720e33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf458e9 elementor-widget elementor-widget-heading\" data-id=\"cf458e9\" data-element_type=\"widget\" data-e-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-d2eb027 elementor-widget elementor-widget-heading\" data-id=\"d2eb027\" data-element_type=\"widget\" data-e-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 Suitable Providers\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db46e18 elementor-widget elementor-widget-text-editor\" data-id=\"db46e18\" data-element_type=\"widget\" data-e-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>Compare dedicated merchant accounts with bundled PSP arrangements, considering eligibility, total costs, contract terms, and settlement schedules. Check whether each provider supports your payment methods, existing systems, and customer service requirements.<\/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-58373ea e-con-full e-flex e-con e-child\" data-id=\"58373ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-75233f0 e-con-full e-flex e-con e-child\" data-id=\"75233f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-71d019f e-con-full e-flex e-con e-child\" data-id=\"71d019f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78cf7ca elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"78cf7ca\" data-element_type=\"widget\" data-e-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<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 497 497\" width=\"512\"><g><g><path d=\"m497 248.5c0 11.68-14.377 22.206-15.978 33.444-1.641 11.517 9.179 25.649 5.973 36.583-3.261 11.125-20.026 17.169-24.781 27.565-4.808 10.512 1.567 27.137-4.639 36.774-6.244 9.696-24.03 10.77-31.556 19.448-7.541 8.695-6.088 26.451-14.784 33.992-8.679 7.526-26.046 3.577-35.742 9.821-9.637 6.206-13.226 23.661-23.738 28.469-10.396 4.755-25.935-3.93-37.06-.668-10.934 3.205-19.314 18.932-30.831 20.573-11.238 1.601-23.685-11.118-35.365-11.118s-24.127 12.72-35.365 11.118c-11.517-1.641-19.897-17.368-30.832-20.574-11.125-3.261-26.664 5.423-37.06.668-10.512-4.808-14.101-22.263-23.738-28.469-9.696-6.244-27.063-2.295-35.742-9.821-8.695-7.541-7.243-25.296-14.783-33.992-7.526-8.679-25.312-9.752-31.556-19.448-6.206-9.637.17-26.262-4.639-36.774-4.755-10.396-21.52-16.441-24.781-27.565-3.205-10.934 7.615-25.066 5.973-36.583-1.599-11.237-15.976-21.763-15.976-33.443s14.377-22.206 15.978-33.444c1.641-11.517-9.179-25.649-5.973-36.583 3.261-11.125 20.026-17.169 24.781-27.565 4.808-10.512-1.567-27.137 4.639-36.774 6.244-9.696 24.03-10.77 31.556-19.448 7.541-8.695 6.088-26.451 14.784-33.992 8.679-7.526 26.046-3.577 35.742-9.821 9.637-6.206 13.226-23.661 23.738-28.469 10.396-4.755 25.935 3.93 37.06.668 10.934-3.205 19.314-18.932 30.831-20.573 11.237-1.601 23.685 11.118 35.365 11.118s24.127-12.72 35.365-11.118c11.517 1.641 19.897 17.368 30.832 20.574 11.125 3.261 26.664-5.423 37.06-.668 10.512 4.808 14.101 22.263 23.738 28.469 9.696 6.244 27.063 2.295 35.742 9.821 8.695 7.541 7.243 25.296 14.783 33.992 7.526 8.679 25.312 9.752 31.556 19.448 6.206 9.637-.17 26.262 4.639 36.774 4.755 10.396 21.52 16.441 24.781 27.565 3.205 10.934-7.615 25.066-5.973 36.583 1.599 11.237 15.976 21.763 15.976 33.443z\" fill=\"#0ed2b3\"><\/path><\/g><g><path d=\"m481.022 281.944c1.601-11.238 15.978-21.764 15.978-33.444s-14.377-22.206-15.978-33.444c-1.641-11.517 9.179-25.649 5.973-36.583-3.261-11.125-20.026-17.169-24.781-27.565-4.808-10.512 1.568-27.137-4.638-36.774-6.244-9.696-24.03-10.77-31.556-19.448-7.541-8.695-6.088-26.451-14.783-33.992-8.679-7.527-26.046-3.577-35.742-9.821-9.637-6.206-13.227-23.661-23.738-28.469-3.095-1.416-6.648-1.636-10.403-1.339 40.809 43.933 65.778 102.784 65.778 167.475 0 135.947-110.207 246.153-246.153 246.153-29.08 0-56.976-5.057-82.874-14.316 1.623 6.245 3.454 12.281 7.66 15.928 8.679 7.527 26.046 3.577 35.742 9.821 9.637 6.206 13.226 23.661 23.738 28.469 10.396 4.755 25.935-3.929 37.06-.668 10.934 3.206 19.314 18.932 30.832 20.574 11.238 1.601 23.685-11.118 35.365-11.118s24.127 12.72 35.365 11.118c11.517-1.642 19.897-17.368 30.831-20.573 11.125-3.261 26.664 5.424 37.06.668 10.512-4.808 14.101-22.263 23.738-28.469 9.696-6.244 27.063-2.294 35.742-9.821 8.695-7.541 7.243-25.296 14.783-33.991 7.527-8.679 25.312-9.752 31.556-19.448 6.206-9.637-.169-26.262 4.639-36.774 4.755-10.396 21.52-16.441 24.781-27.565 3.203-10.935-7.617-25.067-5.975-36.584z\" fill=\"#0ab69f\"><\/path><\/g><g><circle cx=\"248.5\" cy=\"248.5\" fill=\"#f3eae6\" r=\"188.631\"><\/circle><\/g><g><path d=\"m337.521 82.165c42.474 34.588 69.61 87.289 69.61 146.335 0 104.178-84.453 188.631-188.631 188.631-32.196 0-62.503-8.074-89.021-22.296 32.465 26.438 73.888 42.296 119.021 42.296 104.178 0 188.631-84.453 188.631-188.631 0-71.982-40.324-134.539-99.61-166.335z\" fill=\"#efe2dd\"><\/path><\/g><g><circle cx=\"248.5\" cy=\"248.5\" fill=\"#ffe177\" r=\"142.255\"><\/circle><\/g><g><path d=\"m311.711 121.037c30.044 26.082 49.043 64.553 49.043 107.463 0 78.565-63.689 142.255-142.255 142.255-22.708 0-44.167-5.329-63.211-14.792 24.965 21.673 57.555 34.792 93.211 34.792 78.565 0 142.255-63.689 142.255-142.255.001-55.857-32.198-104.187-79.043-127.463z\" fill=\"#ffd15b\"><\/path><\/g><g><path d=\"m217.662 309.133-41.801-41.8c-3.939-3.938-3.938-10.324 0-14.263l10.536-10.535c3.938-3.938 10.324-3.938 14.262 0l17.003 17.003c3.938 3.938 10.324 3.938 14.262 0l68.043-68.044c3.938-3.938 10.324-3.938 14.262 0l10.536 10.535c3.939 3.938 3.939 10.324 0 14.262l-92.841 92.841c-3.938 3.939-10.324 3.939-14.262.001z\" fill=\"#0ed2b3\"><\/path><\/g><\/g><\/svg>\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-1bd48e0 e-con-full e-flex e-con e-child\" data-id=\"1bd48e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bbb9fb elementor-widget elementor-widget-heading\" data-id=\"0bbb9fb\" data-element_type=\"widget\" data-e-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-ef141d7 elementor-widget elementor-widget-heading\" data-id=\"ef141d7\" data-element_type=\"widget\" data-e-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\">Gather Your Application Information\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c255fc7 elementor-widget elementor-widget-text-editor\" data-id=\"c255fc7\" data-element_type=\"widget\" data-e-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 data-pm-slice=\"1 1 []\">Providers may request the following information:<\/p><ul data-spread=\"false\"><li><p>Legal business name and registration details.<\/p><\/li><li><p>Business address and contact information.<\/p><\/li><li><p>Identification for directors or beneficial owners.<\/p><\/li><li><p>Business bank account details.<\/p><\/li><li><p>Description of products or services.<\/p><\/li><li><p>Expected business turnover and card-processing volume.<\/p><\/li><li><p>Average transaction value and payment channels.<\/p><\/li><li><p>Trading history, where available.<\/p><\/li><li><p>Website or other evidence of trading.<\/p><\/li><li><p>Refund, cancellation and delivery policies, where relevant.<\/p><\/li><li><p>Financial information or previous processing statements, if requested.<\/p><\/li><\/ul><p>The exact information and documentation required will depend on your provider, business model, and underwriting process.<\/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-1d5c571 e-con-full e-flex e-con e-child\" data-id=\"1d5c571\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7e76465 e-con-full e-flex e-con e-child\" data-id=\"7e76465\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d149ab5 e-con-full e-flex e-con e-child\" data-id=\"d149ab5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dd3ba0 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7dd3ba0\" data-element_type=\"widget\" data-e-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-paperclip\"><\/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-0073185 e-con-full e-flex e-con e-child\" data-id=\"0073185\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a2fb40 elementor-widget elementor-widget-heading\" data-id=\"7a2fb40\" data-element_type=\"widget\" data-e-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 4<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b15a94 elementor-widget elementor-widget-heading\" data-id=\"4b15a94\" data-element_type=\"widget\" data-e-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\">Complete Verification and Underwriting\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1617170 elementor-widget elementor-widget-text-editor\" data-id=\"1617170\" data-element_type=\"widget\" data-e-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>Your provider may verify your business identity, ownership, and financial information before assessing your transaction activity and risk profile. Additional documents may be requested, and approval or pricing may depend on the assessment.<\/p><p>If you opt for a dedicated merchant account, it is likely that you will undergo a more stringent underwriting process compared to that of an aggregator.<\/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-1fabc09 e-con-full e-flex e-con e-child\" data-id=\"1fabc09\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-342f9a6 e-con-full e-flex e-con e-child\" data-id=\"342f9a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-61cdc54 e-con-full e-flex e-con e-child\" data-id=\"61cdc54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b74c0b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"3b74c0b\" data-element_type=\"widget\" data-e-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<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 512 512\" width=\"512\"><g><g><path d=\"m249.746 143.478-216.238 149.445h444.985l-216.239-149.445c-3.764-2.601-8.744-2.601-12.508 0z\" fill=\"#fff0af\"><\/path><\/g><g><path d=\"m469.974 512h-427.948c-8.284 0-15-6.716-15-15v-192.002c0-8.284 6.716-15 15-15h427.947c8.284 0 15 6.716 15 15v192.002c.001 8.284-6.715 15-14.999 15z\" fill=\"#ffe07d\"><\/path><\/g><g><path d=\"m230.072 157.296 196.245 135.627h52.176l-216.136-149.374c-3.826-2.644-8.888-2.644-12.714 0l-19.738 13.641c.055.037.112.068.167.106z\" fill=\"#ffe07d\"><\/path><\/g><g><path d=\"m469.974 289.998h-47.888l22.391 15.475c4.877 2.543 8.212 7.638 8.212 13.519v191.508c0 .507-.027 1.007-.076 1.5h17.361c8.284 0 15-6.716 15-15v-192.002c0-8.284-6.716-15-15-15z\" fill=\"#ffd064\"><\/path><\/g><g><path d=\"m367.147 1.992c-3.085-2.656-7.649-2.656-10.734 0l-15.518 13.36c-3.085 2.656-7.649 2.656-10.734 0l-15.518-13.36c-3.085-2.656-7.649-2.656-10.734 0l-15.517 13.359c-3.085 2.656-7.65 2.656-10.735 0l-15.514-13.358c-3.085-2.657-7.65-2.657-10.735 0l-15.513 13.357c-3.086 2.657-7.65 2.657-10.736 0l-15.51-13.356c-3.085-2.657-7.65-2.657-10.735-.001l-15.516 13.358c-3.085 2.656-7.649 2.656-10.735 0l-15.514-13.358c-3.085-2.657-7.65-2.657-10.735 0l-4.946 4.259c-1.528 1.316-2.407 3.233-2.407 5.249v429.268h224.69l9.19-220.795v-209.818c0-2.017-.879-3.934-2.408-5.25z\" fill=\"#ecf4ff\"><\/path><\/g><g><g><path d=\"m370.532 4.906-3.385-2.914c-3.085-2.656-7.649-2.656-10.734 0l-8.909 7.67c.012.164.027.328.027.494v430.613h25.409v-430.613c0-2.017-.879-3.934-2.408-5.25z\" fill=\"#ddeafb\"><\/path><\/g><\/g><g><path d=\"m256 472.161-228.974-158.246v183.085c0 8.284 6.716 15 15 15h427.947c8.284 0 15-6.716 15-15v-183.085z\" fill=\"#fff0af\"><\/path><\/g><g><path d=\"m429.558 512-167.201-115.554c-3.826-2.644-8.888-2.644-12.714 0l-167.201 115.554z\" fill=\"#ffe07d\"><\/path><\/g><g><path d=\"m262.357 396.446c-3.826-2.644-8.888-2.644-12.714 0l-22.149 15.307 145.052 100.247h57.011z\" fill=\"#ffd064\"><\/path><\/g><g fill=\"#04b59d\"><path d=\"m272.405 285.142-46.073-20.827c-.068-.031-.137-.061-.206-.089-3.276-1.368-7.011-.626-9.518 1.886-2.507 2.511-3.24 6.249-1.868 9.521.024.058.049.115.074.172l20.709 46.188c1.726 3.881 6.324 5.545 10.075 3.838 3.842-1.723 5.56-6.234 3.838-10.075l-3.008-6.708 13.027-13.027 6.67 3.015c3.836 1.735 8.352.03 10.086-3.807 1.735-3.837.03-8.353-3.806-10.087zm-32.653 9.017-3.962-8.835 8.813 3.984z\"><\/path><path d=\"m262.337 230.16c-2.978-2.975-7.805-2.975-10.782 0-2.977 2.978-2.977 7.804 0 10.782l33.926 33.926c1.489 1.488 3.44 2.232 5.391 2.232s3.902-.744 5.391-2.232c2.977-2.978 2.977-7.804 0-10.782z\"><\/path><path d=\"m329.42 198.008c-13.072-13.072-29.364-14.342-40.539-3.167l-9.324 9.324c-1.431 1.431-2.234 3.374-2.232 5.398s.809 3.965 2.242 5.394c0 0 .013.013.022.022.001.001.001.001.002.002l32.354 32.354c2.952 3.208 8.299 3.72 11.403.448.281-.283 6.912-6.966 9.531-9.677 10.428-10.801 8.974-27.664-3.459-40.098zm-29.757 7.615c7.331-7.334 16.379.569 18.975 3.166 5.408 5.408 8.517 13.295 3.274 18.725-.945.979-2.472 2.534-4.022 4.106-3.776-3.752-8.572-8.523-11.103-11.053-2.127-2.126-7.117-7.101-11.049-11.02z\"><\/path><path d=\"m204.051 336.577c1.542-1.557 3.073-3.099 4.042-4.069 8.355-8.355 8.439-21.865.188-30.117 0 0 0 0 0-.001-4.013-4.012-9.392-6.175-15.16-6.104-5.664.075-10.976 2.31-14.956 6.291l-9.447 9.446c-2.954 2.84-2.942 7.94 0 10.782l33.926 33.927c1.488 1.488 3.439 2.232 5.391 2.232s3.902-.745 5.391-2.232c2.977-2.978 2.977-7.804 0-10.782zm-15.106-23.217c1.156-1.155 2.711-1.805 4.379-1.826.029-.001.058-.001.086-.001 1.58 0 3.029.581 4.089 1.64 2.268 2.268 2.182 6.186-.187 8.554-.963.963-2.475 2.487-4.006 4.032-1.613-1.598-3.214-3.187-4.209-4.182-.854-.854-2.5-2.493-4.192-4.176z\"><\/path><\/g><g><path d=\"m308.585 387.676c-24.253 0-43.984-19.731-43.984-43.983 0-24.253 19.731-43.984 43.984-43.984s43.984 19.731 43.984 43.984c0 24.252-19.73 43.983-43.984 43.983zm0-72.72c-15.846 0-28.737 12.891-28.737 28.737s12.891 28.736 28.737 28.736 28.737-12.89 28.737-28.736-12.891-28.737-28.737-28.737z\" fill=\"#6dd4a1\"><\/path><\/g><g><path d=\"m303.038 358.878c-1.951 0-3.902-.744-5.391-2.232l-6.352-6.352c-2.977-2.978-2.977-7.804 0-10.782 2.978-2.976 7.804-2.976 10.782 0l.961.962 8.907-8.908c2.978-2.976 7.804-2.976 10.782 0 2.977 2.978 2.977 7.804 0 10.782l-14.298 14.298c-1.489 1.488-3.441 2.232-5.391 2.232z\" fill=\"#04b59d\"><\/path><\/g><g><path d=\"m278.743 66.992h-104.636c-4.21 0-7.623-3.413-7.623-7.623s3.413-7.623 7.623-7.623h104.635c4.211 0 7.623 3.413 7.623 7.623s-3.412 7.623-7.622 7.623z\" fill=\"#cbe2ff\"><\/path><\/g><g><path d=\"m278.743 103.588h-104.636c-4.21 0-7.623-3.413-7.623-7.623 0-4.211 3.413-7.623 7.623-7.623h104.635c4.211 0 7.623 3.413 7.623 7.623.001 4.21-3.412 7.623-7.622 7.623z\" fill=\"#cbe2ff\"><\/path><\/g><g><path d=\"m215.405 141.172h-41.297c-4.21 0-7.623-3.413-7.623-7.623 0-4.211 3.413-7.623 7.623-7.623h41.297c4.21 0 7.623 3.413 7.623 7.623s-3.413 7.623-7.623 7.623z\" fill=\"#cbe2ff\"><\/path><\/g><g><path d=\"m278.743 177.769h-104.636c-4.21 0-7.623-3.413-7.623-7.623 0-4.211 3.413-7.623 7.623-7.623h104.635c4.211 0 7.623 3.413 7.623 7.623.001 4.211-3.412 7.623-7.622 7.623z\" fill=\"#cbe2ff\"><\/path><\/g><g><path d=\"m215.405 214.847h-41.297c-4.21 0-7.623-3.413-7.623-7.623 0-4.211 3.413-7.623 7.623-7.623h41.297c4.21 0 7.623 3.413 7.623 7.623 0 4.211-3.413 7.623-7.623 7.623z\" fill=\"#cbe2ff\"><\/path><\/g><g><path d=\"m452.688 336.228v174.272c0 .507-.027 1.007-.076 1.5h17.361c8.284 0 15-6.716 15-15v-183.085z\" fill=\"#ffe07d\"><\/path><\/g><g><path d=\"m97.908 421.134h-39.452c-4.21 0-7.623-3.413-7.623-7.623s3.413-7.623 7.623-7.623h39.451c4.21 0 7.623 3.413 7.623 7.623s-3.412 7.623-7.622 7.623z\" fill=\"#ffe07d\"><\/path><\/g><g><path d=\"m97.908 452.454h-39.452c-4.21 0-7.623-3.413-7.623-7.623s3.413-7.623 7.623-7.623h39.451c4.21 0 7.623 3.413 7.623 7.623s-3.412 7.623-7.622 7.623z\" fill=\"#ffe07d\"><\/path><\/g><path d=\"m329.261 68.241c-3.931-1.39-8.742-3.222-11.232-5.124-.119-.292-.187-1.1.16-1.978.23-.584.69-1.334 1.577-1.602 3.801-1.145 6.224.698 6.487.912-.106-.085-.157-.139-.157-.139l1.537.904c7.846 4.617 15.615-6.075 8.801-12.111-1.487-1.373-4.036-3.008-7.321-4.07-.037-4.179-3.432-7.556-7.62-7.556-4.211 0-7.623 3.413-7.623 7.623v.374c-5.587 2.261-9.689 7.307-10.858 13.52-1.187 6.299.925 12.447 5.512 16.044 4.167 3.269 9.988 5.574 15.657 7.578.827.293 3.345 1.182 2.804 4.403-.293 1.736-1.788 4.681-5.542 4.706-4.329.036-5.256-.114-8.357-2.143-3.772-2.467-8.918-1.163-11.003 2.986-1.759 3.501-.402 7.8 2.889 9.926 3.326 2.148 6.033 3.302 8.902 3.898.047 4.17 3.438 7.536 7.619 7.536 4.211 0 7.623-3.413 7.623-7.623v-.907c6.051-2.429 10.854-7.507 12.526-14.068 2.595-10.177-2.58-19.625-12.381-23.089z\" fill=\"#cbe2ff\"><\/path><\/g><\/svg>\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-c446529 e-con-full e-flex e-con e-child\" data-id=\"c446529\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24eecf7 elementor-widget elementor-widget-heading\" data-id=\"24eecf7\" data-element_type=\"widget\" data-e-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 5<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-171ff3d elementor-widget elementor-widget-heading\" data-id=\"171ff3d\" data-element_type=\"widget\" data-e-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\">Set Up and Test Payment Acceptance\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a83bf99 elementor-widget elementor-widget-text-editor\" data-id=\"a83bf99\" data-element_type=\"widget\" data-e-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>Once approved, configure your card terminals, payment gateway, or online checkout and test any necessary integrations.<\/p><p>Confirm your settlement details, fees, and contractual terms before accepting live 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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ac4b32b e-con-full e-flex e-con e-child\" data-id=\"ac4b32b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb746a elementor-widget elementor-widget-text-editor\" data-id=\"3eb746a\" data-element_type=\"widget\" data-e-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<h2 data-pm-slice=\"1 1 []\">How Long Does Merchant Account Settlement Take?<\/h2><p>Merchant account settlement typically takes 1\u20133 business days, although some providers offer next-working-day or same-day settlement. The timeframe depends on your provider&#8217;s payout schedule, acquiring arrangement, transaction requirements and risk checks.<\/p><h3>What Affects Merchant Account Settlement Times?<\/h3><p>Settlement times can vary depending on:<\/p><ul data-spread=\"false\"><li><p>Your provider&#8217;s payout schedule and acquiring or PSP arrangement.<\/p><\/li><li><p>Payment method and transaction processing requirements.<\/p><\/li><li><p>Weekends, bank holidays, and processing cut-off times.<\/p><\/li><li><p>Your business&#8217;s risk profile and initial account verification.<\/p><\/li><li><p>Transactions undergoing additional security or fraud checks.<\/p><\/li><\/ul><p>Some providers offer next-working-day or same-day settlement, but do not assume this is standard. Conditions for faster payments can vary depending on the provider.<\/p><h3>Can Merchant Account Providers Hold Funds?<\/h3><p>Yes. Providers can hold funds and delay payouts during account verification, transaction reviews, or risk assessments.<\/p><p>You may also be subject to rolling reserves. This is where your provider temporarily withholds a portion of your settlement funds to cover any potential disputes or losses. Not every provider requires a reserve, and other reserve arrangements may apply, so always check your arrangement.<\/p><h3>What Happens When a Customer Requests a Chargeback?<\/h3><p>A chargeback occurs when a cardholder disputes a payment through their issuing bank, potentially resulting in the transaction being reversed.<\/p><p>Your provider may deduct the disputed amount and apply an administration fee. Frequent chargebacks can also trigger additional risk reviews or restrictions.<\/p><p>For more information, see our chargeback guide.<\/p><h2>How Do You Choose a Merchant Account Provider?<\/h2><p>Remember, there is no universally &#8220;best&#8221; merchant account provider; instead, frame the search around finding the right one for your business. Before comparing providers, assess the following criteria:<\/p><h3>1. Understand Your Transaction Profile<\/h3><p>Review your monthly card turnover, transaction count, and average transaction value. Also establish the mix of debit, credit, commercial, and international cards you accept, as these can also impact your processing costs.<\/p><h3>2. Decide Where You Accept Payments<\/h3><p>Do you need countertop or portable card terminals? If you accept remote payments, do you need an ecommerce checkout, telephone functionality, payment links, or recurring billing? Find a provider that supports each channel you use.<\/p><h3>3. Compare Complete Costs<\/h3><p>Always look beyond the headline rates. To fully understand your total expenses, also account for:<\/p><ul data-spread=\"false\"><li><p>Fixed charges<\/p><\/li><li><p>Monthly commitments<\/p><\/li><li><p>Terminal costs<\/p><\/li><li><p>Gateway and software fees<\/p><\/li><li><p>Potential cancellation charges<\/p><\/li><\/ul><h3>4. Review Contracts and Settlement<\/h3><p>Check contract lengths, notice periods, and any separate equipment agreements. Compare standard and faster settlement options, including eligibility requirements and potential reserve conditions.<\/p><h3>5. Check Functionality and Support<\/h3><p>If you rely on other systems to run your business, check whether your provider supports ecommerce and EPOS integrations, accounting software, reporting, and payment reconciliation. Also confirm the level of support you receive, terminal replacement arrangements, and whether these terms suit your needs now and as you grow.<\/p><h3>6. Confirm Eligibility<\/h3><p>Check provider restrictions, industry risk assessments and underwriting requirements. Your trading history, international activity and previous processing records may influence eligibility or contractual terms.<\/p><p>For more detailed provider comparisons, see our Best Merchant Accounts UK guide.<\/p><h2>Merchant Account Checklist: What Should You Know Before Choosing?<\/h2><p>Before choosing a merchant account provider, make sure you can answer the following questions:<\/p><ul data-spread=\"false\"><li><p>Do I need a dedicated account, or would a bundled PSP suit me?<\/p><\/li><li><p>What is the complete transaction pricing?<\/p><\/li><li><p>Are there fixed authorisation charges?<\/p><\/li><li><p>Are there monthly or minimum service fees?<\/p><\/li><li><p>Are payment gateway charges included?<\/p><\/li><li><p>Must I buy or rent hardware?<\/p><\/li><li><p>What is the initial contract length?<\/p><\/li><li><p>Does the agreement renew automatically?<\/p><\/li><li><p>What are the cancellation requirements?<\/p><\/li><li><p>How quickly will payments be settled?<\/p><\/li><li><p>Could reserves or payout restrictions apply?<\/p><\/li><li><p>What are the refund and chargeback arrangements?<\/p><\/li><li><p>Does the provider support all my payment channels?<\/p><\/li><li><p>What support is included?<\/p><\/li><li><p>Can the arrangement accommodate increased transaction volumes?<\/p><\/li><\/ul><h2>Summary: Do You Need a Merchant Account?<\/h2><p>If you want to accept card payments, your business needs merchant-acquiring services, but you don&#8217;t necessarily need a separate dedicated merchant account. Bundled payment service providers (PSPs) may offer simpler arrangements, while dedicated accounts may suit businesses with specific pricing or operational requirements.<\/p><p>When comparing providers, consider your total processing costs, payment channels, settlement times, contract terms, and support rather than focusing solely on the headline transaction rate.<\/p><p>For a more in-depth look, see our Best Merchant Accounts UK guide to compare providers and find suitable options.<\/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-19fdafff elementor-widget elementor-widget-heading\" data-id=\"19fdafff\" data-element_type=\"widget\" data-e-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\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1670e993 e-con-full e-flex e-con e-child\" data-id=\"1670e993\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31910f8e elementor-widget elementor-widget-n-accordion\" data-id=\"31910f8e\" data-element_type=\"widget\" data-e-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-8310\" 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-8310\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a merchant account in simple terms? <\/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-8310\" class=\"elementor-element elementor-element-274fbf13 e-con-full e-flex e-con e-child\" data-id=\"274fbf13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35b7b2f0 elementor-widget elementor-widget-text-editor\" data-id=\"35b7b2f0\" data-element_type=\"widget\" data-e-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 merchant account is an arrangement that enables your business to process and settle customer card payments. Unlike a business bank account, it isn&#8217;t used for everyday finances. You can establish a dedicated merchant account or use a payment service provider that bundles the underlying functions.<\/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-8311\" 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-8311\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is a merchant account the same as a business bank 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-8311\" class=\"elementor-element elementor-element-76a24272 e-con-full e-flex e-con e-child\" data-id=\"76a24272\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61cd8652 elementor-widget elementor-widget-text-editor\" data-id=\"61cd8652\" data-element_type=\"widget\" data-e-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>No. A merchant account supports the processing and settlement of card payments, while a business bank account manages your everyday finances, including bills, wages, and other expenses. They work together because funds processed through your merchant account arrangement are ultimately paid into your nominated business bank account.<\/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-8312\" 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-8312\" >\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 to accept card payments? <\/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-8312\" class=\"elementor-element elementor-element-7684539 e-con-full e-flex e-con e-child\" data-id=\"7684539\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b4f086 elementor-widget elementor-widget-text-editor\" data-id=\"0b4f086\" data-element_type=\"widget\" data-e-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>You need underlying merchant acquiring services to accept card payments, but not necessarily a dedicated merchant account. Traditional acquiring arrangements involve establishing an individual merchant relationship, while payment service providers can bundle the necessary functions, allowing you to accept payments without opening a separate account.<\/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-8313\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8313\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I accept online payments without a separate 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-8313\" class=\"elementor-element elementor-element-0dc8186 e-con-full e-flex e-con e-child\" data-id=\"0dc8186\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cfff5a elementor-widget elementor-widget-text-editor\" data-id=\"7cfff5a\" data-element_type=\"widget\" data-e-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>Yes. Some payment service providers combine online checkout, payment gateway technology, processing, and acquiring functions, removing the need for a separate dedicated merchant account. However, availability depends on your business activities and provider eligibility requirements, so check which services are included before signing up.<\/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-8314\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8314\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the difference between a merchant account and a payment gateway? <\/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-8314\" class=\"elementor-element elementor-element-b769c82 e-con-full e-flex e-con e-child\" data-id=\"b769c82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c179d3c elementor-widget elementor-widget-text-editor\" data-id=\"c179d3c\" data-element_type=\"widget\" data-e-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 merchant account arrangement supports the acquiring and settlement of card payments, while a payment gateway securely transmits payment information between relevant systems. Gateways are commonly used for online transactions, but some payment service providers combine gateway technology and acquiring services into one solution.<\/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-8315\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8315\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does money move from a card payment to my bank? <\/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-8315\" class=\"elementor-element elementor-element-03e2e5e e-con-full e-flex e-con e-child\" data-id=\"03e2e5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8ae153 elementor-widget elementor-widget-text-editor\" data-id=\"c8ae153\" data-element_type=\"widget\" data-e-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 a customer pays by card, the transaction is routed through payment-processing infrastructure and the card network to their issuing bank for authorisation. Approved payments then undergo clearing and settlement through the acquiring arrangement before your provider pays out the funds according to its settlement schedule.<\/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-8316\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8316\" >\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-8316\" class=\"elementor-element elementor-element-ecb7a50 e-con-full e-flex e-con e-child\" data-id=\"ecb7a50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1e9007 elementor-widget elementor-widget-text-editor\" data-id=\"a1e9007\" data-element_type=\"widget\" data-e-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 account costs depend on your provider, transaction volume, payment channels, and pricing model. You may pay transaction charges, monthly account fees, terminal costs, and gateway fees. Additional charges can apply to disputes or other services, so compare your total processing costs rather than advertised rates alone.<\/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-8317\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8317\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long does merchant account settlement take? <\/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-8317\" class=\"elementor-element elementor-element-f61368d e-con-full e-flex e-con e-child\" data-id=\"f61368d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d178f4e elementor-widget elementor-widget-text-editor\" data-id=\"d178f4e\" data-element_type=\"widget\" data-e-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 account settlement typically takes 1\u20133 business days, although some providers offer next-working-day or same-day payouts. Settlement depends on your provider, acquiring arrangement, and transaction requirements. Weekends, bank holidays, account verification, and risk reviews can also affect when your business receives its money.<\/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-8318\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8318\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What information is needed to apply for 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-8318\" class=\"elementor-element elementor-element-8743c98 e-con-full e-flex e-con e-child\" data-id=\"8743c98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00b37ef elementor-widget elementor-widget-text-editor\" data-id=\"00b37ef\" data-element_type=\"widget\" data-e-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>Providers typically request business registration details, identification for owners or directors, bank details, and information about your products or services. You may also need expected transaction volumes, trading history, and refund or delivery policies. Exact documentation requirements depend on the provider and its underwriting assessment.<\/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-8319\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8319\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a new business get 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-8319\" class=\"elementor-element elementor-element-10fea0d e-con-full e-flex e-con e-child\" data-id=\"10fea0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2a8f78 elementor-widget elementor-widget-text-editor\" data-id=\"f2a8f78\" data-element_type=\"widget\" data-e-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>Yes. New businesses can apply for dedicated merchant accounts or use suitable bundled payment services. Providers may assess your business model, expected turnover, ownership, and financial information, even without an established trading history. Approval isn&#8217;t guaranteed, and eligibility or additional verification requirements may vary between providers.<\/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-83110\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-83110\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a high-risk 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-83110\" class=\"elementor-element elementor-element-605b2dd e-con-full e-flex e-con e-child\" data-id=\"605b2dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb0446 elementor-widget elementor-widget-text-editor\" data-id=\"7cb0446\" data-element_type=\"widget\" data-e-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 high-risk merchant account is an acquiring arrangement for a business that a provider considers to present greater financial or payment-processing risk. Factors include chargeback exposure, fraud risk, industry, and trading history. Such businesses may face higher fees, reserve requirements, or restrictions and sometimes need specialist providers.<\/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-83111\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"12\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-83111\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a merchant account provider hold a reserve? <\/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-83111\" class=\"elementor-element elementor-element-70d80c4 e-con-full e-flex e-con e-child\" data-id=\"70d80c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-589981f elementor-widget elementor-widget-text-editor\" data-id=\"589981f\" data-element_type=\"widget\" data-e-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>Yes. Merchant account providers may retain part of your payment settlements under agreed reserve arrangements to cover potential chargebacks or losses. Rolling reserves release withheld funds after a specified period, while other arrangements may apply. Reserves can affect cash flow, but they&#8217;re not required for every merchant.<\/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<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a merchant account in simple terms?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A merchant account is an arrangement that enables your business to process and settle customer card payments. Unlike a business bank account, it isn&#8217;t used for everyday finances. You can establish a dedicated merchant account or use a payment service provider that bundles the underlying functions.\"}},{\"@type\":\"Question\",\"name\":\"Is a merchant account the same as a business bank account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. A merchant account supports the processing and settlement of card payments, while a business bank account manages your everyday finances, including bills, wages, and other expenses. They work together because funds processed through your merchant account arrangement are ultimately paid into your nominated business bank account.\"}},{\"@type\":\"Question\",\"name\":\"Do I need a merchant account to accept card payments?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You need underlying merchant acquiring services to accept card payments, but not necessarily a dedicated merchant account. 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However, availability depends on your business activities and provider eligibility requirements, so check which services are included before signing up.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between a merchant account and a payment gateway?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A merchant account arrangement supports the acquiring and settlement of card payments, while a payment gateway securely transmits payment information between relevant systems. Gateways are commonly used for online transactions, but some payment service providers combine gateway technology and acquiring services into one solution.\"}},{\"@type\":\"Question\",\"name\":\"How does money move from a card payment to my bank?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When a customer pays by card, the transaction is routed through payment-processing infrastructure and the card network to their issuing bank for authorisation. Approved payments then undergo clearing and settlement through the acquiring arrangement before your provider pays out the funds according to its settlement schedule.\"}},{\"@type\":\"Question\",\"name\":\"How much does a merchant account cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Merchant account costs depend on your provider, transaction volume, payment channels, and pricing model. You may pay transaction charges, monthly account fees, terminal costs, and gateway fees. Additional charges can apply to disputes or other services, so compare your total processing costs rather than advertised rates alone.\"}},{\"@type\":\"Question\",\"name\":\"How long does merchant account settlement take?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Merchant account settlement typically takes 1\\u20133 business days, although some providers offer next-working-day or same-day payouts. Settlement depends on your provider, acquiring arrangement, and transaction requirements. Weekends, bank holidays, account verification, and risk reviews can also affect when your business receives its money.\"}},{\"@type\":\"Question\",\"name\":\"What information is needed to apply for a merchant account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Providers typically request business registration details, identification for owners or directors, bank details, and information about your products or services. You may also need expected transaction volumes, trading history, and refund or delivery policies. Exact documentation requirements depend on the provider and its underwriting assessment.\"}},{\"@type\":\"Question\",\"name\":\"Can a new business get a merchant account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. New businesses can apply for dedicated merchant accounts or use suitable bundled payment services. Providers may assess your business model, expected turnover, ownership, and financial information, even without an established trading history. Approval isn&#8217;t guaranteed, and eligibility or additional verification requirements may vary between providers.\"}},{\"@type\":\"Question\",\"name\":\"What is a high-risk merchant account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A high-risk merchant account is an acquiring arrangement for a business that a provider considers to present greater financial or payment-processing risk. Factors include chargeback exposure, fraud risk, industry, and trading history. Such businesses may face higher fees, reserve requirements, or restrictions and sometimes need specialist providers.\"}},{\"@type\":\"Question\",\"name\":\"Can a merchant account provider hold a reserve?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Merchant account providers may retain part of your payment settlements under agreed reserve arrangements to cover potential chargebacks or losses. Rolling reserves release withheld funds after a specified period, while other arrangements may apply. Reserves can affect cash flow, but they&#8217;re not required for every merchant.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7d9d41 e-con-full e-flex e-con e-child\" data-id=\"f7d9d41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef6d9ae elementor-widget elementor-widget-heading\" data-id=\"ef6d9ae\" data-element_type=\"widget\" data-e-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\">More about Card Machines<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2c4517 elementor-widget elementor-widget-heading\" data-id=\"b2c4517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div 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.elementor-element.elementor-element-5b59782{--min-height:340px;}.elementor-1921 .elementor-element.elementor-element-d50222e{text-align:start;}.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:start;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:start;}.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-e-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-e-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\" data-e-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-e-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-e-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-bef674f e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"bef674f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-541381b 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=\"541381b\" data-element_type=\"widget\" data-e-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\" role=\"list\">\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\" role=\"listitem\">\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 fetchpriority=\"high\" 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<article class=\"elementor-post elementor-grid-item post-12323 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-sector-explainers\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\" 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\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments.png\" class=\"attachment-full size-full wp-image-12447\" alt=\"Merchant Account Fees: Your Guide to The Cost of Taking Digital Payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-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\/card-processing-fees\/\">\n\t\t\t\tCard Processing Fees: What They Are and How They Work\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>While having a merchant account boosts profits, understanding their cost is important. While having a merchant<\/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-12305 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine content_type-sector-explainers\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/credit-card-chargebacks\/\" 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\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business.png\" class=\"attachment-full size-full wp-image-12634\" alt=\"Chargeback Guide\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Chargebacks-Guide-What-They-Are-and-How-They-Affect-Your-Business-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\/credit-card-chargebacks\/\">\n\t\t\t\tCredit Card Chargebacks: All You Need to Know\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>You may have heard of them before, but what are credit card chargebacks how can you<\/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-2b44351 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"2b44351\" data-element_type=\"widget\" data-e-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-e3e7e25 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-child\" data-id=\"e3e7e25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7988ab7 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=\"7988ab7\" data-element_type=\"widget\" data-e-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\" role=\"list\">\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\" role=\"listitem\">\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 loading=\"lazy\" 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<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\" role=\"listitem\">\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 fetchpriority=\"high\" 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>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12323 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-sector-explainers\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-processing-fees\/\" 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\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments.png\" class=\"attachment-full size-full wp-image-12447\" alt=\"Merchant Account Fees: Your Guide to The Cost of Taking Digital Payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Merchant-Account-Fees-Your-Guide-to-The-Cost-of-Taking-Digital-Payments-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\/card-processing-fees\/\">\n\t\t\t\tCard Processing Fees: What They Are and How They Work\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-b12e7be elementor-align-right elementor-mobile-align-right elementor-widget elementor-widget-button\" data-id=\"b12e7be\" data-element_type=\"widget\" data-e-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\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>Last reviewed: October 2026. Fees, provider arrangements, and product availability can change. A merchant account enables businesses to accept and settle credit and debit card payments. Unlike a business bank<\/p>\n","protected":false},"author":20,"featured_media":27909,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_ppma_block_editor_authors":""},"categories":[7,41],"tags":[154,153],"content_type":[143,141],"ppma_author":[39],"class_list":["post-27908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-merchant-accounts","category-merchant-accounts-guide","tag-square","tag-sumup","content_type-best-of","content_type-guides"],"acf":[],"authors":[{"term_id":39,"user_id":13,"is_guest":0,"slug":"stephen-thompson","display_name":"Stephen Thompson","avatar_url":{"url":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/11\/steve-o.png","url2x":"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/11\/steve-o.png"},"author_category":"","first_name":"Stephen","last_name":"Thompson","user_url":"","job_title":"","description":""}],"_links":{"self":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/27908","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\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/comments?post=27908"}],"version-history":[{"count":3,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/27908\/revisions"}],"predecessor-version":[{"id":27911,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/27908\/revisions\/27911"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media\/27909"}],"wp:attachment":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media?parent=27908"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/categories?post=27908"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/tags?post=27908"},{"taxonomy":"content_type","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/content_type?post=27908"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/ppma_author?post=27908"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}