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How online payments work

Want to know how everything works together?

Web-Merchant has brought together all the payment processing elements needed (merchant account and payment gateway) allowing your business to accept credit and debit card website payments. On top of this we have designed the application process to be as simple as possible so that you can apply for our merchant account at the same time as our payment gateway, with 95% of all applications being accepted.

NOTE: To accept cards online through your website (or virtual terminal) you need both a gateway and a merchant account.


How our online payment process works

How it works diagram

Once payment has been taken both you and the customer receive an email detailing the transaction.


So what is traditionally involved?

Traditionally in a high street shop, to be allowed to accept credit cards you must be granted Merchant Status by a major bank and obtain a Merchant ID (also known as a MID) from them.

The merchant account (MID) verifies credit card and customer information. This includes checking to see if the details supplied are correct (address, card number etc.) and if the card has been reported stolen, or has enough funds.


There are obviously costs involved - typically the bank will include setup charges, monthly or annual fees, monthly charge for a terminal for you to process card details over the phone. You will also be charged a percentage of each transaction which they process, you may have a minimum monthly volume of business imposed, and in some cases you will have to provide a substantial bond or deposit as extra security.

To accept payments online you must also have a secure payment gateway

A payment gateway is separate and acts as an intermediary between your website and all the banking systems. This is a seamless process and your customer does not interact with the gateway. The credit card and customer details are submitted via the gateway, which securely sends the information through the relevant financial networks to the merchant account.


Because you need both a merchant account and a payment gateway to process payments online, people often have to find these separately. This means you may well end up paying two lots of set-up charges, monthly charges, and, worst of all, two lots of fees on every transaction.

Let us take care of all this for you!

As accredited platinum partners with many major UK, European and Worldwide acquiring banks and payment gateways, Web-Merchant Services has brought together the elements needed to obtain merchant status allowing your business to accept credit card orders from your customers.

We have designed the
application process to be as simple as possible, with 95% of all applications being accepted.


What do I need to do now and what's the process?

We offer all the payment solutions you would need. Therefore you now need to decide which account is best for you. Either our Standard Merchant Account and Gateway, High-Risk Merchant account or the Adult Account.

Each account has pros and cons depending on your business and country of incorporation so please compare products and services before applying. Once you decide which account is best for you simply go to the top of the website and 'Sign-up Today' .

Not sure which account is best? Start by choosing your business type...

Please choose and click on your specific business from the drop down menus below. We will then redirect you to the account we can provide. In many cases you will have a choice between our 'standard account' and 'high risk' accounts. In this case you then need to decide which is best for you financially.

Please note that we check and update this list every day


What happens next?

To sign up please complete the online application form. Once you have completed the online application you will receive an email with the relevant documentation. For help in understanding the documents and for information on how to complete them, please click here

When you apply online you will receive an email normally within 1 - 2 business days informing you if you have passed the initial stage or not. If so, you will receive an email with a list of supporting documents to return. Once all forms and supporting documents have been received, your application will be assessed, then you will be contacted with a decision.


Once the merchant account application has been received and approved, the account can be up and running in less than 48 hours.

If there are problems with the paperwork submitted, such as incomplete data or inconsistencies, those issues will delay account approval.

During busy periods the application process may take 5 days (from the time of receiving your documents).


Please click here to view all our online payment accounts

To learn more about us and what we can offer your business, please use the navigation at the top of the page

You may also find the following articles useful
- 'A Dummies Guide to Online Payments' and also see our 'Jargon Buster' page


Get started today ...
Simply choose and click on your business from the drop down menu and we will redirect you to the account we can provide

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