Compare The Best Payment Processors & Business Finance Providers
Lower your payment processing fees and compare business finance types, providers and costs.
Find the perfect payment processor and lowest transaction fees for your unique business
We deliver you highly competitive quotes with preferential rates from our panel of tried and tested merchant service providers. No need for you to deal with multiple sales agents and incessant call centres that provide opaque and uncompetitive quotes.
Multichannel
Lower your card processing fees on all sales channels
Whether you want to accept payments in person, online or over the phone we can help you find the best solution for your business.
In Person
Accept credit cards and digital wallets on card terminals right for your business
At the table with a portable machine connected via Wi-Fi, Bluetooth or 3G
On the go with a mobile machine using a SIM card with 3G or GPRS
With a countertop terminal connected to a phone line or broadband router
Online
Browser-based checkouts for desktops, tablets and mobiles
Hosted by the payment processor or integrated into your website via an API
Integrate with your existing payment gateway or ecommerce platform
Take international payments and process payments in local currencies
Phone
Take payments over the phone securely via a virtual terminal
Process electronic payments via telephone, email, mail order
No website required - use the virtual terminal on a mobile, tablet or PC
Fully PCI compliant with Address Verification System (AVS)
What we provide
Preferential card processing rates
Our buying power and long-established relationships with merchant service providers mean we can secure your business preferential payment processing rates.
One Point Of Contact
You will only deal with us until you make a decision on the best route forward. That means no annoying calls, texts or emails from multiple merchant service providers or call centres.
Market Access
We have access to 80% of the UK’s leading acquiring banks and can save you weeks of hassle in obtaining bespoke quotes and negotiating terms.
Quotes You Can Easily Compare
Our quotes will be formatted so you can easily compare fees and savings across providers. They will also be unbiased. Whilst we have our preferred payment providers, we are independent and have no allegiance to any of them.
Expert Payment Processing Advice
Each of our payment consultants has years of experience negotiating fees, scrutinising contracts and communicating with merchant service providers. We’ve advised thousands of businesses with annual turnovers ranging from below £25K to over £350 million.
Provider & Contract Due Diligence
Avoid being overcharged, rate increases mid-contract, additional charges not highlighted before signing up, poor after-sales service, punctuative exit penalties or roll-over agreements that stop you from giving 30 days notice at the end of the agreement.
Multi-Sector
Payment solutions for every business model
We’ve advised thousands of businesses of all types in a wide range of sectors including those below.
Reduce your payment processing fees when taking payments in-store and when you sell your products online.
Whether your retail business sells in-store, digitally or both, Merchant Savvy is here to find flexible and low-fee payment solutions for retailers.
Our payments experts can secure you lower card processing rates for payments taken on card machines, EPOS systems, ecommerce platforms and payment gateways. We can also help you get set up with the right hardware or switch suppliers.
From bars and pubs to hotels and restaurants. We can lower your fees on all types of card terminals (countertop, mobile and portable) as well as integrated EPOS systems.
We’ve helped hundreds of new and established hospitality businesses reduce their card processing fees and find the right card machines.
Cut down on fees, reduce the complexity of your contracts and find a payment partner that can scale with your business.
No matter what digital platform you’ve built on (or plan to) we can secure very competitive rates for accepting card payments online.
Whether you’re a large multi-national brand looking to investigate if more competitive rates are possible, or a startup launching their online business, our payments experts can help.
We can find a payment provider that can integrate with your existing set-up whilst lowering transaction fees and offering better contract terms. We can also help you get set up if you are just starting out.
Ecommerce solutions are always evolving with advances in technology and changes in customer behaviour.
Are you looking to accept credit cards for your small business and are not sure of the best solution? We get it.
Comparing providers and fees is time-consuming and confusing. That’s why Merchant Savvy is here.
Our payment experts will find you the lowest processing fees from a payment processor that is a good fit for your specific business. You can then focus on growing your business whilst keeping more of your hard-earned revenue.
If your business is struggling to get a standard merchant account and is deemed high risk you have fewer providers to choose from and are likely to pay higher card processing fees.
We can help you get approved for a reputable high risk merchant account provider providers and keep these fees to a minimum.
We’ve advised hundreds of businesses deemed high risk including travel agencies, debt management agencies, lenders and crypto exchanges.
Retail
Reduce your payment processing fees when taking payments in-store and when you sell your products online.
Whether your retail business sells in-store, digitally or both, Merchant Savvy is here to find flexible and low-fee payment solutions for retailers.
Our payments experts can secure you lower card processing rates for payments taken on card machines, EPOS systems, E-commerce platforms and payment gateways. We can also help you get set up with the right hardware or switch suppliers.
Food & Beverage
From bars and pubs to hotels and restaurants. We can lower your fees on all types of card terminals (countertop, mobile and portable) as well as integrated EPOS systems.
We’ve helped hundreds of new and established hospitality businesses reduce their card processing fees and find the right card machines.
Cut down on fees, reduce the complexity of your contracts and find a payment partner that can scale with your business.
Ecommerce
No matter what digital platform you’ve built on (or plan to) we can secure very competitive rates for accepting card payments online.
Whether you’re a large multi-national brand looking to investigate if more competitive rates are possible, or a startup launching their online business, our payments experts can help.
We can find a payment provider that can integrate with your existing set-up whilst lowering transaction fees and offering better contract terms. We can also help you get set up if you are just starting out.
Ecommerce solutions are always evolving with advances in technology and changes in customer behaviour.
Small Business
Are you looking to accept credit cards for your small business and are not sure of the best solution? We get it.
Comparing providers and fees is time-consuming and confusing. That’s why Merchant Savvy is here.
Our payment experts will find you the lowest processing fees from a payment processor that is a good fit for your specific business. You can then focus on growing your business whilst keeping more of your hard-earned revenue.
High Risk
If your business is struggling to get a standard merchant account and is deemed high risk you have fewer providers to choose from and are likely to pay higher card processing fees.
We can help you get approved by our trusted reputable providers and keep these fees to a minimum.
We’ve advised hundreds of businesses deemed high risk including travel agencies, debt management agencies, lenders and crypto exchanges.
Don’t take our word for it.
Here are some of our latest reviews on Trustpilot.
See more reviews on Trustpilot here
Excellent service - narrowed down suitable options for us to consider to two. We are very pleased with our new provider and would recommend Independent Merchant Services to provide truly independent comparisons - and for free! What is there not to like?
Roger and team are simply excellent in guiding you through the cesspool of payment providers, promising one thing and getting you to sign up to another. Genuinely knowledgable and refreshingly independent.
Roger managed to not only negotiate better than I could, he led me through the process, especially with regards dealing with the dreaded compliance nightmare.
Great, old-fashioned honesty and straightforward, easy communication, throughout. I recommend this company unreservedly.
Darren was fantastic from start to finish. He made the whole process very easy for us and answered all my questions. Would highly recommend.
From 1st contact with Roger the whole process was seamless. As a small independent business we need to control costs and on Roger's advice we saved a great deal of money and it was an easy process to change suppliers and we were guided through each step fantastically well.
Couldn't recommend them highly enough.
Darren Britcliffe was a pleasure to deal with from beginning to end. Listened to my requirements, understood which solution would fit my business needs the best and followed up all the way through.
Thoroughly recommended.
It was good to be able to talk to someone about our business and what we needed from a payment system. They were then able to advise us and put us in touch with a suitable company that offered really helpful customer support for a small business.
It was great to be able to talk to the same person rather than being passed around to different people who didn't really understand our situation and requirements.
After hearing so many horror stories about companies not keeping the promises and not backing up the talk with action.
I can say that Gavin has been amazing. This was been the easiest money saving exercise I have done for a long time. Thanks one and all!
Much better and cheaper than our last provider and there’s always help from their customer services.
Darren explained the role that he plays and arranged quotes which showed significant savings compared to current provider. It was then easy to accept and change provider.
Gavin was excellent, provided brilliant advice for us to update and make savings on our card terminals. Highly recommended.
Not only were they able to get me a great deal, the service was fantastic from start to finish and Roger was always at the end of the phone to answer any of my questions.
I definitely recommend – Roger you were a great help, thank you.
I approached IMS as I had a 33% hike in fees in two years from Worldpay. don’t deal with cold callers. They asked a few questions about the business, gave two recommendations on new providers of which I chose the slightly more expensive one.
I achieved a 2/3 reduction in fees. Great service throughout.
The recommendation that came back was that we are already on a competitive deal with our existing provider. This is a good indicator that the advice given is impartial and trustworthy.
Extremely helpful in finding a provider that suited my business and cut my costs dramatically. In one phone call Gavin gave me all the facts and figures. Would highly recommend.
Wish I had found this company sooner.
Darren is definitely the man to go to. He gives a full understanding of the best offers available and it has been our pleasure to work with him for our company's advantage.
After hearing so many horror stories about companies not keeping the promises and not backing up the talk with action. I can say that Gavin has been amazing. This was been the easiest money saving exercise I have done for a long time. Thanks one and all!
Great communication. No pushy sales tactics. A very pleasant and easy method of switching card suppliers without the hassleplus they're available after switching if you have any problems or concerns. A good company to deal with.
Fantastic experience! Gavin was approachable, knowledgeable and made the process of choosing a new merchant services provider really simple. He was even on hand after the selection process to help with further queries.
Would highly recommend.
Explore some of our resources
Browse our knowledge hub to learn about how to find a payment processor and how to increase your bottom line by reducing card processing fees and increasing sales.
Data & Research
View our latest research and data roundups.
Experience you can rely on
In 2024 we analysed over £2.3 billion in card processing volume.
Merchant Savvy consultants are experts when it comes to payment processing statement analysis.
We’ve advised companies across various industries, from retail to hospitality to crypto exchanges. While every solution is unique, Merchant Savvy’s aim is to save your business as much money on payment processing as possible.
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