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First time looking for a Card Processing Service and not sure where to start? Tell us about your project and we’ll send you a list of Card Processing Services to review. There’s no pressure to hire, so you can compare profiles, read previous reviews and ask for more information before you make your decision. 

Best of all - it’s completely free!

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We’ll help you find Card Processing Services. Help us refine your search by telling us your requirements and we’ll contact service providers in your area to help you.

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You’ll receive free quotes from professionals and get quick notifications via our website or app. We make sure we do the leg work for you!

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Choose your Card Processing Service

Pick from some of the best providers in your area. With easy access to reviews and direct contact with Card Processing Services, you can be confident with your choice.

Find Card Processing Companies near me

Bark has the best card processing companies to help grow your business. Whether you want to give your customers more payment options or are simply sick of cash transactions, you can find a reliable payment service provider on Bark. Tell us what you’re looking for and we’ll match you with a list of credit card processing companies to choose from.

Whether you’re a small business or a growing empire, we’ll connect you with the best card processing companies near you.

What does Card Processing involve?

When a customer pays for an item, the money needs to be taken from their account securely. Regular bank accounts are not equipped to handle customer transactions. So, card processing will create what’s known as a merchant account for your business.

A merchant account exists for the sole purpose of allowing a business to accept electronic payments from its customers. Funds taken from your customer will stay in the merchant account, and they can then be transferred to your business account once processed.

Bark makes it easy to browse merchant account providers. Get detailed information about card processing companies, read reviews, and request contact - all from one place.

What are the benefits of having a Merchant Account?

Having a merchant account will allow you to accept payment from debit and credit cards. As these are the most popular payment forms out there, businesses need to offer them if they want to be successful!

A merchant account will also allow you to increase your sales since having the option to pay via a credit card opens your business up to far more people.

There are also plenty of practical benefits of a merchant account. It can make your accounting much easier to process, especially during reconciliation. It can also help your business avoid fraudulent payments.

Wondering how much getting a merchant account will cost you? Read our handy guide to find out how much card processing companies charge on average in the UK.

What types of Merchant Accounts are there?

There are 3 types of merchant accounts including aggregated merchant accounts, dedicated merchant accounts and high-risk merchant accounts. Here’s a brief overview of all 3.

Aggregated merchant accounts

  • Set up by a payment facilitator
  • Often best for small businesses
  • Industry-specific
  • Transactions are pooled
  • Less control over when money is paid to you

Dedicated merchant accounts

  • Set up directly with acquiring bank
  • More control over when your money is paid
  • More room for rate negotiation

High risk merchant accounts

  • Suited for those who have struggled to get approval elsewhere
  • Can be industry-specific (i.e for gambling or tobacco products)
  • Can process a high number of transactions per second
  • Pricing not always attainable for small businesses

Not sure which merchant account is best for your business? We’ll connect you with experienced card processing companies who will be able to offer expert advice on the best choice for you.

What is the difference between a Merchant Account and a business bank account?

Although both a business bank account and a merchant account handles funds relating to your business, the purpose of each is completely different.

A business bank account is designed to handle transactions relating to the running of your business. This can include aspects such as rent, payroll, utilities, equipment purchase etc.

Merchant accounts are specifically created to handle electronic payments made into your business. The money is held while it is processed and is done so securely. For a detailed overview of what a Merchant Account involves, read our handy guide.
Smart Card Payments profile image
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Smart Card Payments

Smart Card Payments is a family owned independent payments solutions company located in Gloucestershire. Established in 2010, the ethos of the company was to provide payment and communications services whilst ensuring that our customers benefitted with; 1) Quality Products & Services. 2) Best Available Prices (Without compromising on quality). 3) Quality customer service. The benefits of taking a Smart Card Payments solution include: - Over The Counter, Mobile, eCommerce, Over the Phone & Virtual Payment solutions available. - Very Competitive Terminal Rental Charges (From £6 +vat Per Month) - Competitive Transaction Charges (from 0.3%) - Next Working Day Payment Settlements - No Set Up Costs - No Hidden Charges (i.e authorisation charges, PCI compliance charges) - No Minimum Monthly Charges - Local Account Manager - Every Customer Entered Into Free Draw To Win iPad (1 in 20 chance to win) - Supported by Evo Payments - A Top 5 Payment Acquirer Globally We have a wonderful selection of customers both large and small, and they all benefit by receiving a priority service, no matter what the size or turnover. If you are looking for a company that will save you money, give you an excellent service and ensure that your card payment solutions are second to none then choose Smart Card Payments Tony and Emma would love to hear from you and offer you a FREE no obligation quotation that makes you smile. Part of Smart Communications: www.smart-comms.co.uk/wearesmart/

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Hear from
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What do you love most about your job?

We have a wonderful selection of customers, all of whom are friendly and great to work with.

Chatting to customers and helping them develop their business is our passion, because it is both challenging and rewarding. When a client wins and we have been part of that process we win too.

Not every day is a great day of-course, but on the whole I enjoy 99% of my work days and that makes me feel lucky.

Smart Card Payments have also given us the opportunity to sponsor Gloucester City Football Club and to work with three wonderful charities to help them with the great work they do, something that gives us a great feeling of 'giving back'.

On the whole though its the people we work with that give us the greatest pleasure. Hearing about their 'work wins', family, holidays or just having a general chit-chat has turned customers into friends .... and that is probably the main reason that our days are enjoyable ones!

What inspired you to start your own business?

Working for another business that was heading on a different journey to the one I wanted to travel on forced me to make the change.

Starting SmarT Communications SW Ltd was the best decision I made for me and my family in 2010 and here we are 13 years later, happy, healthy and with a database full of amazing customers!

Why should our clients choose you?

I think the simple answer is that .... 'we are a small business so we understand your requirements, and more importantly we care'.

We know that customer service, quality products, customer service and reliable solutions are all extremely important, and thats what we work hard to deliver 365 days of the year!

With a local account manager on hand too you can get hold of us on the phone whenever you have an issue without those long frustrating call centre queues and calls.

Can you provide your services online or remotely? If so, please add details.

Yes absolutely. 95% of our service is done online, over the phone and remotely. We want to make it easy for you to work with Smart Card Payments, whilst still giving you the confidence to know you are working with one of the best Card Payment Solution providers in the UK.

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Reviews

4.75/5.00

based on 6,116 reviews

Smart Card Payments offer us an invaluable service at a very competitive price. They take the time to make sure that they find the right solution for your business, and are on hand should you need any support or information. Their service is faultless and we would genuinely recommend them if you are a business looking to take card payments.

10 Jan 2023

The service provided by Smart Card Payments has been second to none. With the set up we have, card payments clear in to us next day which is great for cash flow management and the customer service you get is fantastic. Couple that with low charges and great terminal functionality, and Smart Card Payments really has been a massive benefit to our business.

10 Jan 2023

Taking a card machine from Smart Card Payments was simple and painless. The machine is easy to use and has never let us down. The rates are very competitive and having this available to customers allows them to buy more, benefiting both them and us. We would highly recommend Smart Card Payments.

10 Jan 2023

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