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Our Partners
  • Barclays Bank PLC
  • Fiserv (Europe) Limited
  • Handepay Limited
  • Inspire Payment Services Limited
  • ResQ Limited
  • Seymour Direct Limited
  • SumUp Payments Limited
  • Take Payments Limited
  • The Redwood Group and Associates Limited
  • WorldPay (UK) Limited
  • YUMAPOS UK LTD
Our Products
  • Business Accountancy
  • Business Epos Systems
  • Business Telephone Systems
  • Commercial Waste Collection
  • Digital Marketing
  • Fleet Tracking
  • Invoice Finance
  • Merchant Accounts
  • Website Design

How Barclaycard Merchant Services Could Take your Business up a Notch

Barclaycard provides merchant accounts to small and large businesses

What is Barclaycard?

Barclaycard is the arm of Barclays that offers services for merchants, that is, businesses who wish to sell products and services and take payments electronically. Barclaycard processes these payments made to your business on your behalf, opening the door to a more modern way of interacting with your customers. 

 

They offer solutions suitable for retail, finance, utilities, telecoms, and hospitality so, whichever industry your business is in, Barclaycard is likely to provide services that work for you. 

Key Benefits of Barclaycard
  • Get access to your money faster.
  • Offer your customers more ways to pay.
  • Access useful data and reporting.

As well as the above, Barclaycard also provides features like single-source, which takes care of all your payment needs through just one provider, and data insights, which allows your business to stay ahead of the game. In addition, Barclaycard merchant accounts also offer fraud protection through their Barclaycard Transact feature.

Barclaycard Card Readers

As well as offering an account to process payments, Barclaycard also sets you up with a card machine to actually take payments. They have a range of machines on offer, each designed for slightly different needs. The kinds of card machines they provide are listed below. Each card machine comes with a cost per transaction, with the fee you pay depending on the price plan you choose, while others require to you pay a rental fee for the machine itself. 

Smartpay Touch

Large touchscreen and user-friendly interface.

The Smartpay touch is equipped for the most modern work environments. 

Smartpay Touch features a large touchscreen and user-friendly interface, making it ideal for businesses that want their card machine to do more than just take payments. The machine has a variety of features that each provide your business with an injection of professionalism. Sending booking confirmations and reminders via text are just two ways in which the Smartpay Touch is equipped for the most modern work environments. 

 

The machine comes with a minimum 12-month contract duration with no initial charges. What you do pay is the monthly rental fee, which is £29 per month plus VAT. However, you can get your Smartpay Touch for just £14.50 per month for all of 2024 if you apply before 30 April 2024. The approval of the discount will, however, depend on your financial circumstances and borrowing history. 

Barclaycard Flex

Capable and cost effective

Make 700 sales a day on a full charge with a machine that is as cost-effective as it is capable. 

 

Equipped with a sizable screen and a conventional design, the Barclaycard Flex powers you through the day with its ability to accept up to 700 sales a day on a full charge. This, coupled with its personalised pricing plans and fast payment processing means you can enjoy a very capable card machine while keeping costs down to a minimum. These benefits make the Flex a contender for any busy business. 

 

The machine comes with a minimum 18-month contract, and with no initial setup costs. You do pay a monthly rental fee of £15 per month (excluding VAT) but, if you act fast, you can enjoy half-price costs for the rest of 2024 if you apply by 30 April. The approval of the discount will depend on your financial circumstances and borrowing history. 

Smartpay Anywhere

No monthly cost, no contract

If you like things simple, look no further than the Smartpay Anywhere, which is simple, neat, and easy to use, 

Smartpay Anywhere is the fundamental card reader, offering straightforward chip-and-PIN and contactless functions. It has no monthly cost, no contract and only a one-off fee of £29 (excluding VAT), which you pay for the reader itself. After that, you'll pay a 1.6% transaction cost. 

 

If you like things simple, look no further. This is the simplest option Barclaycard offers, With its neat design and lack of confusing buttons, it provides a quick and smart way to take card payments, track sales and keep on top of business admin. And, as a bonus, you'll get the money you take from card payments in your account as soon as the next working day. Choose this machine if you're a smaller business that doesn't need any unnecessary add-ons.

Is Barclaycard Good for Small Businesses?

Barclaycard provides merchant services to both small and large businesses, helping them accept card payments from customers. 

 

Accepting card payments allows small business owners to take their company to the next level. If your business is just getting started, Barclaycard may be the perfect choice for stepping into a more digitally oriented-way of running your business. 

 

Many small retailers trust Barclaycard to deliver reliable and secure payment solutions, so if you're looking for ways to increase your revenue and protect against fraud, or you want reliable hardware to take card payments, Barclaycard could be for you.

Qualify To Reduce Your Payment
Processing
Fees?

You could save your business £1000s

Do you currently accept card payments?
Complete our short form, it only takes a minute!
Unfortunately you didn't select your third party marketing preferences.
Please confirm if you would be happy to be contacted by our Trusted Third Parties by SMS, Email & Telephone regarding Third Party Services.
Trusted Third Party Service Providers
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Our Partners
  • Barclays Bank PLC
  • Fiserv (Europe) Limited
  • Handepay Limited
  • Inspire Payment Services Limited
  • ResQ Limited
  • Seymour Direct Limited
  • SumUp Payments Limited
  • Take Payments Limited
  • The Redwood Group and Associates Limited
  • WorldPay (UK) Limited
  • YUMAPOS UK LTD
Our Products
  • Business Accountancy
  • Business Epos Systems
  • Business Telephone Systems
  • Commercial Waste Collection
  • Digital Marketing
  • Fleet Tracking
  • Invoice Finance
  • Merchant Accounts
  • Website Design

FAQs

Barclaycard is the business-focused part of Barclays. It processes payments made to your business on your behalf, opening the door to a more modern way of interacting with your customers. 

The best Barclaycard card machine for your business will depend on your specific business. Is your business busy? Does it take most of its payments electronically? The answers to these questions will reveal which is the best card for you. Have a look at the card machines above to get an idea of which one would suit your business best. 

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Low-Risk vs High-Risk Merchant Accounts

What Is A Merchant Account?A merchant account is a special type of business bank account that allows you to securely accept credit and debit payments. It acts as a middleman between your business's bank and the bank your customer uses to make their card purchases.  A merchant account is needed to facilitate the movement of money from your customer's bank account to your bank account so, if you want to take electronic payments, you need to get yourself a merchant account.Low-Risk vs High-Risk Merchant AccountsIf your business is just starting out, or you want to move into accepting electronic payments, you've probably heard that you need a merchant account. You may have also heard that there are different types of merchant accounts available to businesses, each with its own benefits and drawbacks.  If you need a merchant account, you need to apply for one. Unlike when you open a normal bank account, you will only be told what charges you need to pay after your application has been reviewed. This is because the provider you make your application to will perform a check on your business to work out its risk. Unfortunately, there's only so much you can do to influence the check's outcome, as the risk level is largely based on the industry you're in. After the assessment is completed your business will be deemed to be in either a high-risk or a low-risk category. Which Category is my Business in?The category your business is placed in will influence the charges you pay in fees, with high-risk accounts being more expensive. The fees are more expensive because your merchant account provider needs to cover the heightened risk that they are taking. A high-risk industry is regarded as such due to the likelihood that it will be exposed more to operational or regulatory risk. There are a lot of industries that fall under this description but there are a few of the more common ones.

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What is a Merchant Account?A merchant account is a special type of business bank account that allows you to securely accept credit and debit payments. It acts as a middleman between your business's bank and the bank your customer uses to make their card purchases.  A merchant account is needed to facilitate the movement of money from your customer's bank account to your bank account so, if you want to take electronic payments, you need to get yourself a merchant account.No Credit Check Merchant AccountsMerchant accounts come in all kinds of shapes and sizes. Some are designed for small businesses and some for large businesses. Recently, some companies have emerged offering alternatives to conventional merchant accounts, whereby they process your payments and send the money to you without ever using one. Companies like Square and PayPal have dominated this area of the market and have become popular choices amongst small businesses across the country, this is largely due to their simplicity and lack of background checks.   While not merchant accounts in the traditional sense, companies like these do still operate like merchant accounts in that they process your payments and pass them along to you minus a transaction fee. Their lack of credit checks, or commitment to work with as many businesses as possible, makes them viable options for both businesses that are just starting out, and those that have a poor credit history.  Many of the traditional payment processors are likely to turn down applications that come from businesses with a bad credit history so, for these reasons and more, businesses often look to the alternatives available.  Does Your Business Have Poor Credit?If your business has a poor credit history, you may be better off looking for a payment processor that won't do a credit check. There are, as you will see below, several providers who are happy to give you a merchant account like this, and choosing the best one for your business is an important decision.  The fees a payment processor charges will be your main consideration, but other factors like ease of use, trustworthiness, and suitability should also be high on your list of considerations. We've chosen just four payment processors for you to explore; these are by no means the best four available, they're just to give you an idea of what's available.

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