Clear Answers to UK Payment & Finance Queries

From application submission and standard UK business document verification to terminal delivery, the typical turnaround is between 3 to 5 business days. Your terminal arrives pre-configured and tested so you can start trading immediately.

A portable card machine communicates wirelessly via Wi-Fi or Bluetooth with a charging base station, with an operating range of approximately 100 metres inside your venue (ideal for table service in restaurants or styling chairs in salons). A mobile card machine is completely untethered, featuring an integrated roaming 4G multi-network SIM that works anywhere across the UK.

Yes. All modern terminals provided through Merchant Business Advance support UK contactless limits, Apple Pay, Google Pay, Samsung Pay, and Chip & PIN security protocols.

Many of our countertop and portable terminals feature automatic fallback connectivity. If your broadband or local Wi-Fi drops, the terminal automatically switches to an internal multi-network 4G roaming backup, ensuring your checkout never halts.

Yes, reputable modern cloud EPOS systems incorporate an offline mode that temporarily queues transactions locally and synchronizes sales records once your connection is restored.

Many standard USB or ESC/POS hardware peripherals can be integrated. During our initial consultation, we audit your existing hardware to see what can be safely reused to minimize your initial capital expenditure.

Aggregators typically charge a high flat fee (around 1.75%) on all transactions, regardless of whether a customer uses a low-cost debit card or high-cost commercial card. Under Interchange-Plus pricing, you pay the true scheme interchange rate (capped at 0.2% for UK consumer debit) plus a transparent acquirer margin. For businesses turning over more than £3,000 to £5,000 monthly, Interchange-Plus is usually substantially cheaper.

Some legacy providers charge minimum monthly service fees (MMSC), non-qualifying interchange surcharges, paper statement charges, and high PCI non-compliance fees. Merchant Business Advance conducts free statement reviews to expose these fees and negotiate transparent terms.

A Merchant Cash Advance (MCA) is revenue-based financing where a lender advances capital against your future customer card receipts. Repayment is made automatically as an agreed percentage (typically 10%–15%) of your daily card terminal sales. If sales drop during a quiet week, your repayments decrease proportionally.

Not necessarily. We broker both unsecured commercial loans (underwritten on company credit history, trading turnover, and director personal guarantees) and secured commercial facilities for higher borrowing requirements.

Yes. Card settlement payouts and business loan funds are cleared directly into your designated UK business bank account with any major UK bank or building society.

All terminals are backed by UK technical support. If a hardware fault cannot be resolved remotely over the phone, a replacement terminal is typically dispatched via priority courier for next-business-day swap out.