Market Guide
UK Merchant Services
A practical guide to merchant accounts, card processing, bank payments, fees, fraud and settlement for businesses operating in the United Kingdom.
UK payment landscape
UK merchants can combine cards, digital wallets and bank-payment methods. The right mix depends on customer behaviour, business model, channel and settlement needs.
What to investigate
- Card acceptance and acquiring arrangements
- Payment gateways and PSPs
- Bacs, Faster Payments and Direct Debit where relevant
- Authentication, fraud and dispute controls
- GBP settlement and international currency requirements
- UK data-protection and payment obligations relevant to the business
Useful next steps
Use the Fees & Pricing guide, Payment Methods guide and merchant fee calculator to build a first-pass requirements list.