Safe and reliable payments since 1997

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You have heard stories about people making their fortune selling online. You are now ready to get stuck in, however, you’re not sure how to get started and what everything means.

With this guide we will help you understand how online payments work and hopefully will get your business online and trading in no time!

Web-Merchant has brought together all the elements needed (merchant account and payment gateway) allowing your business to accept credit and debit cards from your customers.

We have designed the application process to be as simple as possible so that you can apply for our merchant account at the same time as our payment gateway, with 95% of all applications being accepted.



It’s quick, easy & painless

For the purposes of this guide we are going to assume you are totally new to online payments and have no prior experience of taking payments online.

Forget about going straight to your bank for your merchant services. Because we are an independent provider, we make the task of accepting cards in your business a simple and straight forward process.


Processing payments

The first thing you need is a merchant account and payment gateway to process the payments.

The merchant account verifies credit card and customer information. This includes checking to see if the details supplied are correct (address, card number etc.) and if the card has been reported stolen, or has enough funds.

If the transaction is successful, the merchant account then deposits funds to your designated bank account where you can then access them.


With all our accounts we provide both the merchant account AND the gateway.

A payment gateway is separate and acts as an intermediary between your website and all the banking systems. This is a seamless process and your customer does not interact with the gateway.

The credit card details are submitted via the gateway, which securely sends the information through the relevant financial networks to the merchant account.


How do customers actually pay me?

Now you know what happens to actually process a payment, you now need to know the methods to allow customers to physically pay you.

The two main methods are:

Through a website

If you are wanting to accept payments through your website you will need to have some sort of shopping cart or website which is integrated to the payment gateway and merchant provider. Once someone adds product(s) to the basket and wishes to pay, they will then be taken to a secure payment page where they can enter their credit card details.

Using a Virtual Terminal

To take credit card transactions over the phone (MOTO), you simply enter the customers credit card information onto a secure website that you access and submit the information to complete the transaction.

The virtual terminal is like a payment page in reverse. However instead of the customer entering their details on your website, you complete it for them.

We provide a FREE virtual terminal with all our payment processing accounts.


Once someone buys from me, when do I get the money?

As part of the application procedure you must supply details of the bank account you wish funds to be paid into. This is the money that you have taken, minus any transaction fees, from customers using your website or virtual terminal.

Depending on which merchant account you choose depends on when you get your money. With the Standard Account you are paid (settled) daily. The High-Risk and Adult Merchant Account and Gateway is either weekly, 12 days in arrears or daily, 7 days in arrears (subject to application).


Anything else I need to know?

Well that's the crux of it. However, to enable you to get the merchant account and payment gateway you do need to make sure you comply to the following minimum requirements;

- At least 18 years of age
- Have a business Bank Account
- Incorporated Europe or US


What accounts do you offer?

Below you will find all the accounts we offer. Depending on your business depends on the account you will need:




High Risk Account
Worldwide Incorporations

Complete Online Payment Solution

Learn more >




Adult Account
Worldwide Incorporations

Credit Card Terminals / EPoS

Learn more >




MOTO / Phone Payments
UK and European Incorporations

Learn more >




CBD Payment Processing
UK and European Incorporations

Learn more >



e-Cig Payment Processing
UK and European Incorporations

Learn more >



We can now provide low - medium risk processing for US customers (as well as high risk) subject to application

Remember we offer flexible integation options, no trading limits and no hassle switch... oh and our popular FREE virtual terminal for phone payments (MOTO)




What our customers have to say

"Thank you so much for making what seemed a mammoth task simple and, more importantly, understandable. Not once did anyone get cross when I asked the same question 10 times... "


Lucy Dolly
Managing Director
Antenatal Services Limited



Can't find the account for you?


With over 20 years in the payments industry, and with a large network of acquirers, we are confident we can find you a solution that's a perfect fit for your business.

Contact us today and see what we can offer!



Looking for no risk processing which has nothing to do with VISA? Our eCheck processing is ideal for high risk businesses from all over the World, including India


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Web-Merchant Services Limited © 1997 - 2020
Company Registration No. 03919014


Fully PCI DSS compliant. NCA Approved. Anti-Money Laundering Registration No.12709698.
Data Protection Reg No. Z3544745

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