Top Merchant Services For Small Businesses




It is almost certain that, over the past few years, you have heard of merchant services, no matter what type of business you run. It is a broad term that refers to a wide range of financial services for businesses, including merchant funding (quick cash for short-term needs) and support for card payments.

Merchant Services: What Are They?

In terms of merchant services, payment acceptance and processing are the most important.

Working: The processes that are involved behind the scenes in making and accepting payments by a business.

Tools: Hardware and software may be required by business owners to accept and process payments.

Funding: cash advances and quick cash for short-term needs.

Merchant Service Providers: Business owners can receive these services from merchant service providers.

Why Should Your Business Use Merchant Services?

Merchant services offer more benefits than just letting you accept credit cards and getting funds at the proper time. Through a series of advantages, these features help you scale your business with ease.

A Larger Customer Base

Your customers may not all have access to liquid cash throughout a typical month, regardless of what kind of business you run. Because of this, you might lose potential customers if you only accept cash payments. Your business will attract more customers if you offer alternative payment methods. Then you’ll be able to entice patrons who would otherwise hesitate to spend their last pound.

Finances Can Be Managed More Efficiently

POS terminals and merchant accounts are increasingly integrated thanks to the advancements in financial technology. Most modern merchant solutions allow you to accept additional payment methods under one umbrella. Mobile payments and online transfers are among the latest payment features supported. Your business will be able to accept payments through multiple revenue channels by utilising a single payment solution.

Expanding Your Business Operations Is Easy

It automatically opens more ways to deliver your services both in-person and online, as you can offer more payment methods.

Increasing Revenue While Cutting Costs

With the right merchant account provider, you will not only be able to manage your finances and increase operations, but you will also be able to cut costs.

If you choose a payment integration solution that supports multi-channel payment, you’ll save a whole lot of money. It will no longer be necessary for you to pay separate transaction fees or subscription costs to multiple providers.

Let’s see who the leading merchant service providers in the UK are:


As one of the most popular card machine providers UTP also tops its position in merchant services. They offer unbreakable quality and support when it comes to the services they offer to their customers. With UTP Merchant Services, you’ll receive a full maintenance package for your card payment machine. An experienced team of specialists on their UK-based helpdesk is experienced at remote diagnostics of credit card machines and to help you with your queries and concerns. UTP customer care helpdesk is often regarded as one of the best in the UK industry.

Cash Advances in the UTP are available to merchants who have had Merchant Services facilities for a minimum of six months and average over £3500 throughput each month. UTP offers funding between £3,500 – £150,000 which can help merchants to meet their financial needs in time. Their funding and other merchant services come with a super-fast application process – Up and running within 10 working days. UTP designed their merchant services to be cash flow friendly – Capital that keeps pace with your card takings.

Merchant services from UTP provide full control of hardware and software systems. Apart from the one-off fee for the merchant cash advance, there are no other hidden fees are charged to the client by the company. Changing to UTP merchant service from other service providers can be done with ease as you can get full step-by-step support from UTP executives. UTP’s split processing technology is one of the most advanced technologies that can be integrated with any system, so it won’t be a difficult task to switch from another service provider to UTP.

You can apply for UTP merchant services online by filling out their online application forum. After completing the online forum, UTP has an AI-generated calculator that allows merchants to know the rates for the services they purchase.


Square is another top Merchant service provider in the UK. Square may be the right option for you if you’re looking for merchant services with short-term contracts, as they don’t require long-term contracts to provide merchant services. There are no hidden charges associated with the merchant services offered by Square.

One system policy is offered by Square, a system that manages multiple tasks at once. Merchants can get free customer support through phone, email, and their Support Centre. Square provides affordable hardware, with no leases or hardware return fees. Your PCI compliance doesn’t have to be validated individually since Square complies with PCI standards. The company guarantees fast, reliable transfers in 1–2 days or even the same day.


Stripe is another payment services provider that provides services to help vendors to run their business in the UK. Stripe’s unique features make it the best choice for businesses that make most of their sales online. Through Stripe, Visa, MasterCard, American Express, Discover, JCB, Diners Club, China UnionPay, and debit cards can be accepted. In addition to accepting mobile wallet payments, businesses can also offer buy now, pay later services. Payments can be made in a variety of currencies through Stripe.

They offer unbreakable security and support for their merchant services. In addition to being audited and certified as a PCI compliance Level 1 service provider, the company performs routine security scans and tests on an annual basis.


Zettle can help merchants to get merchant services for business, without the hassle of needing to research their options and negotiate with the bank. The fees are easy to understand, there are no hidden charges, and merchants’ funds are deposited directly into their accounts within just 1-2 business days.

There are no recurring fees associated with Zettle’s hardware, and their POS app is free. Merchants only pay for transactions they process. As with any other merchant service provider, the Zettle also offers tight security that complies with PCI standards. Merchants can get customer service support at any time between 9 am to 5 pm on any working day.

About the author, Danielle Trigg

Leave a Reply

Your email address will not be published. Required fields are marked

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}