Merchant Services FAQs
At Bespoke Merchant Solutions, we know that choosing the right payment processing partner is crucial for your business. That's why we've compiled some of the most common questions our clients ask, along with comprehensive answers, to help you better understand our services and how we can support your business. Whether you’re new to merchant services or looking to switch providers, we’ve got you covered.
Frequently Asked Questions
We frequently update this page with any repeated questions we receive from customers. If you have a question that isn’t included, get in touch with us using the button below!
BMS is an Independent Sales organisation (ISO), meaning we have a direct relationship with multiple banks. We are able to create a truly bespoke package for our customers by recommending the best bank that matches your needs. Our direct relationships also mean that we are able to negotiate the best prices for our customers.
We provide a range of merchant services including merchant accounts, payment gateway integration, Point of Sale (POS) solutions, and e-commerce solutions. Our services are tailored to meet the specific needs of businesses of all sizes.
Getting started is easy! Simply book a consultation through our Contact Us page on the website. You can also call us at 0800 989 0142 or email us at [email protected]. We’ll set up a consultation to understand your needs and create a customised solution for your business.
We do not charge for the comparisons and analysis service of your current package, and we will always provide you with a free quote. We also promise that there will be no hidden charges, and everything will be explained to you. The team are always happy to help if you are unsure about anything!
The bank you have your business account with is the best place to start, right? Wrong! Most banks do not own their own card payment services. In fact, they simply partner up with a large card processor and resell their products. From our experience, these “direct with the bank” packages are the most expensive.
No, there are no setup fees or hidden charges. We’ll get you fully set up with everything you need free of charge, so you can start taking payments quickly and confidently without any surprise costs along the way.
Other Merchant Services FAQs
A merchant account is a type of business bank account that allows a business to accept and process electronic payment card transactions. It's a crucial component for any business that wants to take card payments, whether online or in-person.
A chargeback is the payment amount that is returned to a debit or credit card, after a customer disputes the transaction or simply returns the purchased item. Merchant acquiring banks will generally charge a fee to merchants for chargeback transactions. These fees are detailed in a merchant account agreement.
PCI DSS stands for Payment Card Industry Data Security Standard. It is a set of security standards designed to ensure that all companies who accept, process, or transmit credit card information maintain a secure environment for date processing. PCI DSS is backed by all major debit and credit card companies such as VISA, Mastercard and American Express.
PCI DSS is crucial because it protects sensitive cardholder data, reduces the risk of data breaches and fraud, ensures legal and regulatory compliance, and helps maintain customer trust. By adhering to these security standards, businesses can avoid hefty fines, minimise financial losses, and uphold a strong reputation in a secure payment ecosystem.
PCI DSS is not a legal requirement in UK law. However, companies often overlook that credit card data is not just financial data but also personal data which comes under the Data Protection Act and keeping personal information safe is a legal requirement.
We understand that some industries naturally carry a higher level of risk, and we’re committed to helping those businesses find the right payment solutions. Each application is assessed on an individual basis, allowing us to tailor options that best suit your specific needs and circumstances.
Our card machines and payment solutions support most major international cards, making it easy to serve customers from around the world. Please note that international transactions may carry slightly higher processing fees, which we’ll always make clear upfront so there are no surprises.
We aim for all of our customers to get their funds within 1 business day. In some cases, this may not be possible, and in this circumstance, we will always make you aware before you sign a contract.
We offer 24/7 customer support to assist you with any questions or issues you may have. Our expert team is always ready to help you ensure your payment processing runs smoothly. You can also book a consultation with our customer care team using the ‘Contact Us’ page.
BMS services are designed to support a wide range of businesses, from small startups to large enterprises. Whether you operate a retail store, e-commerce website, restaurant, or service-based business, we can customise our solutions to match your specific requirements.
Security is our top priority. We employ advanced encryption and robust security protocols to ensure that all transactions are safe and secure. All of our card machines have end-to-end encryption built in and we have systems in place to detect fraud. All of our payment solution systems are also fully compliant with PCI-DSS standards.
At Bespoke Merchant Solutions, we make it easy to connect your payment systems with platforms like Shopify, WooCommerce, and many others. Our goal is to keep your online sales running smoothly and efficiently. We’re always upfront about what integrations we can and can’t do, so you can make confident, informed decisions for your business.
When you sign up with us, we will make sure you get access to your merchant bank’s secure online portal, where you can view detailed transaction reports, track payments, and access other helpful tools to manage your business efficiently. This gives you full visibility and control over your sales at any time.
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