A Gateway fee is applied by the transaction processor to cover the costs of receiving and processing the transaction. [Close]
Credit cards charge a percentage of the sale for use and this amount is referred to as a transaction charge. [Close]
Instead of a percentage rate, a Debit card transaction is charged at a flat rate fee. [Close]
A chargeback is a reversal of a sales transaction by the customer's credit card issuer. Learn more [Close]
A percentage of each sale is payable as a transaction fee [Close]
Please note that 'Supported Countries' is the country the merchant has to be incorporated in, NOT the country you can sell too. However there are specific countries from which we and the bank do not allow transactions. For a list of countries please click here [Close]
Instead of charging a fixed transaction fee of say 50p for debit card transactions, we charge 4.40%. This means all cards are charged identically. [Close]
Unfortunately we are no longer able to provide accounts for merchants wishing to accept payments of £1.00 or less (micro payments). In fact, the banks are starting to only allow payments of £5.00 or more. This is one reason why companies such as the National Lottery will now only allow you to add £5.00 or more to your account or force you to set-up a monthly direct debit. [Close]
Minimum Remittance Amount is the minimum limit before a Wire transfer is made. [Close]
Merchant takes payment details over website or telephone. Completes authorisation request. Receives authorisation code. This authorises card & reserves funds but doesn't take them This can be done via the VPOS, or can be integrated using our web-services API [Close]
The Account set-up fee is the amount payable once your site goes live! If, for whatever reason, you are not offered an account you will not have anything to pay [Close]
Unlike many companies, we do not charge an application fee. This means it costs nothing, apart from a little of your time, to apply for one of our merchant accounts [Close]
There is an annual fee with high-risk accounts imposed by MasterCard and Visa. Depending on your business depends on the annual fee. This will be either £85 (98 EUR) or £858 (950 EUR). We will inform you of the annual fee following a full assessment. Categories which fall under the £858 mark include Vitamins/Supplements, Dating Services, Travel/Tour/Entertainment, Credit Repair Companies, Skill Gaming and Gambling.
We would like to make it clear that this is not an extra charge incurred by us but by VISA and MasterCard. This means that even if you decide not to use us, you will still need to pay regardless of what PSP you use. [Close]
We set-up one currency as standard at time of activation. This is usually GBP. However if you would like another currency setting up or you wish to take more than one currency, please let us know [Close]
There is no maximum transaction amount. However please note that items and services with a very high order value may be given different terms to advertised. For this reason, when asked on the application what monthly turnover you expect, please do not exaggerate as this can hinder the application, if not reject it. [Close]
Each merchant account we provide has it's own list of businesses that we unfortunately can not help. Some of these businesses appear on both lists i.e short term loans, debt refinancing, legal highs, SKY warrenties - which means we can't help at all - more information - [Close]
This is a list of credit and debit cards that you can accept. Please be aware that certain cards can only be taken in certain circumstances. To be able to accept Visa, MasterCard and Amex you can be incorporated anywhere (within reason). However to accept debit cards you must be incorporated in the country the debit card originates, normally the UK and Europe- more information - [Close]
To accept Amex payments with our merchant accounts you must apply to American Express direct for the ability to do so - more information - [Close]
Sophisticated risk management and Bulletproof data security - more information - [Close]
The 3-D Secure™ protocol was developed by Visa to improve the security of Internet payments. The protocol is offered with the service name Verified by Visa. MasterCard has also adapted a similar protocol called MasterCard SecureCode - more information - [Close]
All the integration guides and manuals are available to download online - more information
PCI Compliance is the Payment Card Industry Data Security Standard mandated by the card schemes for the protection of cardholders and transaction details - more information - [Close]
The VPOS (Virtual Point Of Sale) is a Windows-based software application that provides all the necessary features required for processing credit and debit card transactions quickly and easily in situations where cards are not present. - more information - [Close]
The repeat billing facility is an internet-based equivalent of traditional standing order and direct debit facilities - more information - [Close]
The CMS is a central resource that provides information, support and facilities to help you manage your accounts - more information - [Close]
Multi-Currency Conversion enables merchants to gain additional profits by identifying a credit card's country of origin and offering the customer a choice between their home currency or the merchant's local currency - more information - [Close]
Once each week, all sales that are at least 7 business days old are paid. Sales posted before this time will be paid the following week i.e. 7 business days later. more information - [Close]
High-Risk - Internet Merchant Account + Gateway
With the High-Risk Merchant Account + Gateway we consider ALL businesses (except for those that are on the prohibited business list) and financial circumstances in all European countries. Looking for an adult merchant account? Click here
The rates below are the rates you pay. None of that 'Transaction Rates From' shenanigans you get with other companies.
For further details please click the relevant headings below.
Contract Period
Month to month
* Rolling Reserve: Due to an applicants status and/or business model and following a full risk assessment of an application, we are unfortunately sometimes required to place a rolling reserve, in order to increase the merchant's chance of obtaining a merchant facility with one of our sponsor banks. The rolling reserve holds ten percent (10%) of total approved gross transactions, over the previous six month period. Following the seventh month of operation (and every month thereafter) the reserves generated from the first month of operation (and every month thereafter) will be forwarded to the merchant of each sale for a specified period, after which time it is paid to you. The purpose of the reserve is to pay for any chargebacks which may occur against your account.
* Please note that special terms may also be applied to high-risk accounts such as rolling reserves, longer settlement periods and an annual fee. However until an application is made we are unable to tell you what terms, if any, are included. Please also be aware that high-risk accounts can take longer to set-up than standard accounts due to the nature of the business and the banks that we use to acquire the merchant ID (MID) number.
As you can imagine we are unable to tell who will have a rollling reserve placed until an application has been put in and is being processed. However we do find that most 'adult' websites will have a rolling reserve.
Basic Information
FREE As Standard
Security & Fraud
Integration Methods
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