If you are new to accepting payments by card, then you're going to need a merchant services account. Here are some frequently asked questions about Adelante's merchant services.

What is a merchant account?

A merchant account allows you to process credit and debit cards from your Chip and PIN card machine as your business account cannot offer this facility. A merchant account works as a link between your Chip and PIN card machine and your business account. When a payment is put through your Chip and PIN terminal, it is processed through the merchant account. You must have one to be able to take card payments. 


How do I get one?

Contact us and we will ask you some questions about your business, and then prepare a price quote for you. If you are happy, we will arrange the merchant account for you over the phone. It takes between 7 to 10 days to set up.


How much does it cost?

There is a one off joining fee to get the account set up which is £50 for long term accounts and £100 for short term accounts, and then you are charged per transaction. This is a fixed percentage of the value of the transaction for credit cards and a fixed price per transaction for debit cards. 


What is the difference between card present and card not present transactions?

  • Card present refers to a system where the chip on the card is read, and the customer having to input their PIN number also. 
  • Card not present refers to a system where the card details are input manually, usually being telephone or mail order payments.

Card present transactions usually attract a lower charge than card not present transactions.


How long does it take to get a merchant account?

Once we have received your signed application form, it usually takes between 7 to 10 working days to gain approval on the account.


Do I need to have a business bank account first?

Yes you do.


How long do I have to have the account for?

You can cancel your merchant account at any time, giving 30 days notice.

Call us today on 01628 820600
or complete our online request form for information.

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