Merchant Services

Pay less for processing fees and card machines with a tailored solution for your business.

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Use our simple online form to request your free, no obligation quote in just a few minutes.

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After we’ve found the best deal for your business, we’ll manage the switching process for you.

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Start saving money on fees,
with dedicated ongoing support throughout your contract.

We'll find the best payments deal for your business

We help businesses of all sizes, from every type of industry, to find the most cost-effective card payment solutions, tailored specifically for their needs.

Through strong partnerships with leading card acquirers, terminal suppliers and website gateway providers, we can offer the most competitive deals available.

Access the lowest rates

If you take card payments in person, over the phone or online, we can help you secure the lowest rates from a wide range of providers.

Expert guidance and advice

Our team will learn exactly how your business operates and review your existing payments set-up to give the best advice possible.

Personalised pricing packages

We’ll find you the best deal based on your business turnover, the types of card payments you take and the ways you need to get paid.

Card Machines

Whether you take payments at the till, by a table, at a festival or on the move, we’ll help you find the right card machine for your business.

We offer fast, secure and reliable terminals, from compact mobile card readers, through to the most advanced Epos systems available.

As well as providing the latest payment technology, we’ll also make sure you have expert support whenever you need it.

card terminals

Payments FAQs

Find answers to our frequently asked merchant services questions below…

What fees do merchant services providers charge?

Below is a table showing the typical fees charged by merchant services providers and why, so you know exactly what it is that you are paying for.

Fee

What is it?

Monthly Fee

A fee you’ll be charged if you fail to process the agreed amount of monthly credit card payments.

Terminal Rental

Set rental charge fee for chip and pin machine. Typically a one-off payment, or monthly fee depending on contract.

Online Payment Gateway

Integration of hosted checkout pages and an API for custom development.

Virtual Terminal

Software that supports telephone, mail by order, and pay-by-link transactions.

Chargeback

A set fee for each reversed transaction.

Early Termination Fee

The fee you will be charged if you exit your contract early, often dependent on the remaining time of your contract.

Set-up Fee

A cost fixed at the beginning of the contract to set up the physical or virtual terminal.

Cancellation Fee

Fixed fee if you cancel your contract.

Minimum Monthly Transaction Fee

Smallest amount charged each month on transaction fees.

Data Security Management

A fee charged to ensure you meet PCI compliance standards.

Authorisation Charge

A charge made each time a business authorises a credit card transaction.

Non-Secure Transaction

Fees charged for high risk payments like mail, telephone, online (not pay by link), and other non chip and PIN payments.

PCI Non-Compliance

A fine for not maintaining PCI DSS standards.

Refunds

A fee for processing refunds.

 

Why is my merchant services provider charging me Non-Secure Fees?

This additional charge can be significant and range from £0 to as high as 0.85%. Non-secure fees are still charged by most merchant services suppliers so when checking your statement, be aware that these fees may be listed in a separate section or as a separate line along with other additional charges.

The charge is applied for payments taken over the telephone (MOTO), even when CVV2 details are recorded, and for website (E-Commerce) transactions without 3D Secure or Verified by Visa.

What are Authorisation Fees, and should I be charged for them?

If you’re being charged for authorisation fees, they will be listed separately to your standard credit and debit card fees. Generally, these will be applied to every transaction including the recent addition of contactless payments. They are typically an additional 3p or 4p and should be factored in with your main pricing when reviewing to check if you’re on a fair overall package.

We will always be transparent and explain exactly how your new charges are made up, with a clear breakdown of the savings you’ll make when using our service to switch provider.

Why is my merchant services provider charging me PCI Non-Compliance Fees?

If you see the words ‘Non-Compliance’ on your merchant services statement, you are probably being charged a penalty for failing to complete the relevant PCI DSS questionnaire. The process for doing this is straightforward, and providers should provide assistance and support to help you become compliant.

The fees for non-compliance can be pretty hefty, ranging from £10 per month to 0.30% of card turnover. There can also be significant fines from card schemes for non-compliance. You can find out more about what PCI DSS is on their website – https://www.pcisecuritystandards.org/pci_security/standards_overview

Can WeSave help with my PCI Certification?

The PCI DSS is a mandatory requirement for any business that takes card payments. It’s a set of 12 mandatory requirements from the Card Schemes designed to ensure that all businesses that process, store or transmit card information maintain a secure environment and help reduce the risk of loss.

Put simply, the PCI DSS is about preventing card payment information held by customers, or their third parties, from being used fraudulently, and all the consequential financial and reputational losses associated with this. We can help by assisting you to become compliant directly with your current acquirer or introduce you to one of our partner PCI specialists who will do it all for you for a small fee.

What are Premium Credit Cards, and should I be charged more for accepting them?

Premium Credit Cards are classed as consumer cards that provide additional benefits such as travel insurance, loyalty schemes, shopping discounts etc. They are usually shown as a separate figure on your merchant services statement. Some providers show this under the actual card type, i.e. ‘Visa Credit Card’ and underneath list ‘Premium Cards’. Whilst other providers show them together i.e. ‘Visa Credit Card Premium’.

By using our service, we can help you to ensure that you’re not heavily penalised on your charging tariff for the premium cards you accept from your customers.

Is there a pay as you go option for accepting card payments?

At WeSave, we recognise that one size does not fit all so we ensure we offer a broad range of solutions including ‘pay as you go’ options. We partner with the leading PAYG providers that offer a quality service at a competitive price. A ‘pay as you go’ card processing facility has similar characteristics to PAYG mobile phones i.e. they generally involve higher transaction rates but no monthly fixed fees or contracts. Card machines are purchased for a small initial fee and can either be linked to a compatible device (smartphone, tablet) or can be standalone. These types of options are good for businesses such as market traders or mobile businesses i.e. businesses with lower annual card turnover and/or low average transaction values.

For more information, please contact us.

Got any other questions?

Speak to a member of our friendly team by calling us today on 01872 495 111.

Our lines are open Monday to Friday, 9am – 5.30pm.

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Truro
Cornwall
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