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Expertly Reviewed by Rav Bains, Senior Consultant and Founder | Last Updated: May 2026

Expert Payment Services UK — Built Around Your Business

We Tranxact Ltd delivers specialist payment services across the UK and Europe as a Visa-approved payment consultancy. From merchant accounts and card machines to high-risk payment solutions and e-commerce payment gateways — we compare the full UK market on your behalf so you always get the right solution at the lowest possible cost. Most businesses are up and running within 24 to 48 hours.

Get a Free Quote Today

Comprehensive UK Payment Services

Card payments now account for over 80% of UK retail transactions, according to UK Finance. If your business is not set up to accept card payments efficiently, you are losing margin to unnecessary fees. Our UK payment services connect businesses of all sizes with fast, compliant solutions at the best rates available.

Merchant Accounts

A merchant account is the financial backbone of your card processing. As part of our payment services across the UK, we manage your application with trusted acquirers to get you set up fast — often within 24 to 48 hours. We help everyone from sole traders to established firms find the right merchant account.

  • All major cards accepted including Visa and Mastercard
  • Competitive transaction rates — save up to 45%
  • Fast setup with dedicated personal support
Learn More About Merchant Accounts

Card Machines and Terminals

We supply a full range of card payment hardware for UK businesses. Whether you need a retail shop terminal in Birmingham or a mobile service in London, our UK payment services team matches you with the right hardware.

  • Countertop, portable and mobile options
  • Contactless, Apple Pay and Google Pay ready
  • Full UK setup and ongoing support
Learn More About Card Machines

Virtual Terminal and MOTO Payments

A virtual terminal lets you process card payments over the phone securely from any device. Ideal for remote workers, accountants, and solicitors across the UK, following strict PCI DSS security standards.

  • Take payments by phone or email
  • No hardware required — works on any browser
  • Fully secure and PCI compliant
Learn More About Virtual Terminals

Mobile Payments and mPOS

Accept card payments on the move with a mobile card reader. Perfect for market traders, tradesmen, and pop-up events anywhere across the UK.

  • Works via Bluetooth or Wi-Fi with iOS and Android
  • Compact, lightweight and portable
  • Contactless and Apple Pay enabled
Learn More About Mobile Payments

E-Commerce Payments

Scale your online store with a secure e-commerce payment gateway. We integrate with your existing platforms, providing advanced fraud protection for UK businesses.

  • Integrates with WooCommerce, Shopify and more
  • Multi-currency and 3D Secure support
  • Fast onboarding with full technical support
Learn More About E-Commerce Payments

Open Banking Payments

Open Banking allows customers to pay directly from their bank account — instantly and securely without card fees. Regulated by the FCA, it is a game-changer for UK merchant margins.

  • Zero chargebacks and lower transaction costs
  • Instant bank-to-bank transfers
  • Growing rapidly with UK consumers
Learn More About Open Banking

What is Included With Every We Tranxact Payment Service

Hundreds of UK businesses rely on We Tranxact for payment services that are fast, compliant and cost-effective. Every solution includes:

  • PCI DSS Compliance: Protected from day one via the PCI Council.
  • Same Day Settlement: Fast access to funds for high-volume businesses.
  • Dedicated UK Support: Direct, personal support from UK-based specialists.
  • Full Market Comparison: We compare the entire UK market to save you up to 45%.

Why UK Businesses Choose Our Payment Services

  • Visa-Approved Payment Consultancy: One of few UK firms with this Visa-approved status.
  • Independent and Unbiased: We recommend what is right for you, not the provider.
  • High Approval Rate: Specialist network for those declined elsewhere.

Payment Services Across the UK and Europe

We Tranxact provides payment services across the UK — from London, Birmingham and Manchester to Leeds, Edinburgh and beyond. Our specialist high-risk payment services also extend across Europe.

Ready to Find the Right UK Payment Service?

Get straight, honest advice from specialists who are on your side.

Get Your Free Quote Call: 0121 792 5367

Frequently Asked Questions About UK Payment Services

How much do UK payment services cost?

Transaction fees in the UK typically range from 0.3% to 1.75%. We Tranxact compares the market to find the lowest rates, often saving businesses up to 45%. Get a free quote today.

Is We Tranxact a regulated UK payment service provider?

Yes. We Tranxact Ltd is a Visa-approved consultancy working with FCA-regulated partners.

01
Highly Experienced

UK Based Broker Service

02
High Approval Rate

Big Savings Available

03
Fast Approvals

In As Quick As 2 Hours

Here For You

Start Saving Money Today

The Merchant Account is a financial agreement between the business and the merchant bank that allows a business to start accepting debit/credit card payments. The merchant account is designed specifically for the handling of credit and debit card transactions and is separate to a business bank account.

 

PCI Compliance is the Payment Card Industry Data Security Standard mandated by the card schemes for the protection of cardholders and transaction details. According to payment brand rules, all merchants accepting credit card payments are required to comply with the PCI Data Security Standard in its entirety.

 

author avatar
Rav Bains
Rav Bains is a senior payments consultant and the founder of We Tranxact, with over 15 years of experience navigating the global merchant services landscape. A Visa-approved broker, Rav specializes in payment orchestration and fee optimization for established, high-volume businesses. He is widely recognized for his ability to secure stable, long-term processing for 'hard-to-place' sectors, helping merchants recover from account freezes and significantly reduce their effective processing rates through independent, transparent audits
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