Open merchant account

What is a merchant account?

A merchant account is a must-have if you want your business to accept debit and credit card payments. Quite simply, a merchant account is an online bank account set up with an independent payment processor – so it’s separate from your business bank account.

The good news is that 123Send, an expert payments service provider, can help arrange everything for you. We work with all the major UK merchant services providers, so we can advise on the best one for your business and put you in touch.

Why do I need a merchant account?

In addition to helping to make your reporting as quick and easy as possible, your merchant service provider (also known as an acquirer) will ensure the funds are available on the card being used for the transaction. We’ll manage the whole process through to settlement of payments into your bank account.

As your merchant account processes each card transaction, it deducts either a percentage or a flat-rate fee (depending on your contract) and then it deposits the remainder in your bank account. You’ll then receive a statement at the end of each month detailing all your card sales and refunds.

We use our 20 years of experience and expertise to ensure the whole process is simple, automatic and stress free.

Health Check Service

Our no-obligation health check service reviews the market to find the best transaction rates, saving you some serious time and money!

Find out more

New to accepting card payments?

Setting up credit and debit card payments for the first time can seem daunting. The wide range of payment providers, merchant accounts and terminals are enough to confuse anybody!

But have no fear, 123Send has 20 years’ experience guiding businesses like yours to their excellent card payment solution.

Unlike other companies, we’re independent. This means that we’re not tied to a single merchant services provider. This allows us to provide you with a card terminal to take payments as well advising you on the merchant services provider with the best rates for your business.

We do the hard work for you, helping you to get your merchant account set up quickly and easily.

Merchant account – Key Features

Getting the right merchant account will help you start, manage or grow your business with simple monitoring and reporting of transactions


Whichever acquirer you choose, you will give your customers access to quick, smooth transactions, accepted on your point of sale, whether it is offline or online.


A merchant account allows you to keep a track of what money is flowing through your business. It shows you what transactions have been settled and what is still outstanding.


We can ensure that you get paid quickly, as the transactions settle into your merchant account.


Get an oversight of what’s going on in your business, all in one place. A merchant account provides detailed insights of every customer transaction.

Easy as 1-2-3
Just 3 quick steps and we’ll get your merchant account open

Enquire online or call us

Fill in our online form or call us on 0800 54 23 123


One of our team will get in touch

We will provide a free, detailed consultation


We’ll get your account set up

We will set you up with the best merchant account for your business

Get a free quote

We are ready to save you time and more importantly, money!

Thank you!

We will contact you shortly

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