Merchant Services
We're an independent merchant services provider helping UK businesses accept card payments — with the personal support and transparency that bigger providers simply don't offer.
What Are Merchant Services?
Merchant services cover everything involved in taking card payments — from the card machine or online gateway to the behind‑the‑scenes processing. Choosing the right provider can make a big difference to your costs, cash flow and everyday operations.
Understanding Your Pricing
We'll Help You Choose the Right Model
Most businesses are placed on a blended pricing model without ever being told there's an alternative. At Acecard, we offer both blended and IC++ pricing — and we'll take the time to explain the difference so you can make an informed decision.
Blended Pricing
A single fixed percentage rate applied to every transaction, regardless of card type. Simple to understand, but often more expensive — especially for businesses processing high volumes or predominantly debit card transactions. Many large providers default to blended without offering an alternative.
IC++ Pricing
Interchange Plus Plus (IC++) is a transparent pricing model where you pay the actual interchange cost set by Visa/Mastercard, plus a small fixed processor margin. For many businesses, particularly those with higher volumes — this results in significantly lower overall costs. It also means you can see exactly what you're paying and why.
It depends on your transaction volumes, average transaction value, and the mix of card types your customers use. Our team will analyse your current statement and recommend the most suitable pricing model for your business — with no obligation.
Which is right for you?
Independent vs Large Providers
Why Choose Acecard®?
‘With access to a wide range of acquiring banks, we don’t believe in a one-size fits all solution, we tailor-make our packages bespoke to the needs of each individual business. This is what makes us different.’
— Shafiq Saleem, Company Director