What to Look for When Choosing a New Payments Provider

Choosing the right payments provider can make a massive difference to how smoothly your business operates – and how much money you save in the process. With countless options on the market, it’s important to understand the features that truly matter when selecting your next partner. At BMS, we know what makes a great provider, because we strive to be one.

Low Transaction Fees

Every penny counts when you’re running a business. High transaction fees can quickly eat into your profits, especially if you have a high volume of card payments. That’s why one of the most important things to look for in a payments provider is low, transparent transaction fees.
At BMS, we offer some of the most competitive transaction fees on the market – as low as 0.3%. We want to provide cost-effective solutions so that you have more money to invest where it matters – into growing your business.
close up of person paying by card representing payments providers

No Hidden Fees

Some providers advertise low rates upfront but then bury extra costs in the small print – these are known as hidden fees. They can include early termination charges, inflated minimum monthly service fees, PCI non-compliance fines, and even unexpected statement charges.
Over time, these hidden costs can significantly inflate what you initially thought was a cost-effective solution, locking you into an expensive, inflexible contract. At BMS, we’re upfront and honest. We don’t charge hidden fees – ever. What you see is what you get!

Innovative and Secure Hardware

Reliable, modern hardware is the backbone of any successful payments system. The right card machine should offer speed, security, and ease of use – both for your staff and your customers. Whether you’re serving queues during busy hours or handling mobile payments on the go, great hardware can make a big difference.

At BMS, we recommend the PAX A920 – a sleek, Android-based card terminal with a powerful touchscreen interface, fast connectivity (Wi-Fi, 4G, Bluetooth), and robust security features. It’s a favourite among merchants looking for a seamless and professional experience.

Integration with Your Existing Systems

Changing providers shouldn’t mean overhauling your entire business. A great payments partner should be able to integrate smoothly with your current setup – whether that’s your EPOS system, online store, or accounting software.
We work to ensure our systems plug into your existing operations, helping you avoid disruptions and keep your processes running smoothly. From retail to hospitality businesses, our team ensures compatibility every step of the way.
two people in suits exchanging a business handshake over a merchant service

A Customer Care Team That Has Your Back

Things go wrong sometimes. Whether it’s a technical problem, a payment delay, or a terminal issue, you need to know there’s a real team ready to help, not just a chatbot or a never-ending hold tone. A great payments provider doesn’t just hand you the tools – they provide ongoing support that makes your life easier.
Our UK-based customer care team is here to support you every step of the way. We don’t just pass on your problems – we resolve issues on your behalf. Our team works directly with banks and third parties so you don’t have to, giving you time to focus on your customers, not chasing call centres. Plus, with BMS Membership, you also get PCI compliance support, account management, monthly statements, partner discounts, and regular system updates – all designed to keep your business running smoothly.

Flexibility and Scalability

Your business isn’t static – it grows, changes, and adapts. Your payments provider should do the same. Whether you’re expanding online, opening new locations, or just trying something new, you need solutions that evolve with you.
We offer a full suite of options – from card machines and EPOS systems to e-commerce gateways and virtual terminals – all scalable to your business needs. Whether you’re a startup café or a growing retail chain, we’ve got the tech and expertise to keep your payments flowing smoothly.

Security You and Your Customers Can Trust

Data breaches and fraud are real risks – and a trustworthy payments provider should take them seriously. Look for one that offers PCI-compliant systems, end-to-end encryption, and ongoing compliance support. PCI compliance is a set of security requirements designed to ensure that businesses handle cardholder data safely and responsibly. Failing to meet these standards can lead to serious consequences, including financial penalties and reputational damage.
At Bespoke Merchant Solutions, we help businesses stay secure and compliant. We even offer PCI compliance guidance as part of our membership, so you’re never left wondering if your setup meets the latest standards.
Choosing the right payments provider isn’t just about price – it’s about support, reliability, scalability, and peace of mind. At Bespoke Merchant Solutions, we’re proud to offer all of that and more. From low transaction fees to hands-on customer care, we’re here to make payments the easiest part of your business.
 
Want to save up to 35% compared to your current provider?
Get in touch with our team today and let’s find a better way forward.