What is PCI and why do I need to be compliant?

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that ALL companies, regardless of size or number of transactions, that accept, transmit or store cardholder data maintain a secure environment. Not being compliant can result in fines from the card schemes and non-compliance fees may be enforced by your merchant services provider. For more information on PCI DSS, please visit the official PCI Security Standards website: https://www.pcisecuritystandards.org/.

What is MMC?

MMC stands for Minimum Monthly Charge. This is the amount that your business has to accumulate in transaction charges per month. If this is not met, the £ difference is deducted accordingly.

Why am I being charged when I haven’t received my terminal?

Within the term of the contract, you may be charged before you receive your terminal but you will only pay the correct amount of payments. Within the terms and conditions it states you are liable for the contract as soon as you sign the agreement.

When will I receive my 'buyout'?

Your buyout will be paid on receipt of your invoice from your previous supplier. This will then be paid within 60 days.

How do I get an additional terminal?

Please call 0344 2938 850, option 4 and then option 2 to speak to our Customer Services Team who will handle this for you.

What type of businesses use an online payment gateway?

Any business that takes payments online would need an e-commerce payment solution. From retail websites to digital subscriptions services, our payment gateway provides a simple and secure way to take card payments online.

How does the payment gateway work?

We integrate the payment gateway with your online shopping cart to ensure a smooth and secure transaction at the end of the customer journey. When a customer reaches checkout, they are taken to the gateway page where they input their card details in a secure environment. The payment is processed and transferred directly to your merchant account, before being settled into your bank account.

How long does it take to set up?

It will typically take a web developer 24 hours to integrate the payment gateway.

What is a virtual terminal?

A virtual terminal is a web-based payment system for processing over-the-phone transactions. It's helpful to think of it as an online version of a card machine. It makes the payment process more efficient and less expensive - saving you time and money. You don't even need a company website to get one.

How do I take card payments over the phone?

When a customer calls to make a payment, log in to your virtual terminal on a computer, laptop or mobile. To complete the transaction, simply follow the steps on screen. In just a few seconds, the payment will be authorised and at that point, the customer will receive an email with their receipt, and the funds soon after, deposited into your account. You do not need to have a business website to process payments over the phone.

What types of cards can I process over the phone?

Our virtual terminals accept payments from all major credit and debit cards, including Visa, MasterCard, Maestro and American Express. Businesses and customers alike expect over the phone payment to be compatible with every card type.

Is it secure to accept card payments over the phone?

We use the latest fraud detection software to protect you and your customers. Moreover, we provide tier 1 DSS compliance for your business; the highest level of security the industry has to offer.