Get Set Up
Merchant services, explained
What the phrase actually bundles together, and what to compare.
Take payments.Hold money.Move it on the best rail.
One relationship gives your business a merchant account, multi-currency accounts and international payments. Behind it: a group of licensed institutions, and an engine that picks the best rail for every payment.
Fast to open.
Faster to answer.
Underwriting that keeps moving: when your application raises questions, you get answers the same day, not next week.
48 hoursto an open business account*
98.6%of information requests (RFIs) answered the same day
*Subject to a complete application.
Experiencing delays or issues with your payments?
Tell us what’s happening, and we’ll give you an honest assessment of your options.
Start hereYour sales and your money, in one place
Money you accept settles into accounts you control, then moves out on whichever rail suits it best, all through a single onboarding.
Take card payments
An underwriting decision built for your business, backed by licensed acquirers on the UK and European rails: a 97% average approval rate and reach in 180+ countries across the acquiring network, with a 99.999% uptime SLA behind every transaction. Go live in as little as 48 hours once all your relevant supporting documentation is in.
Hold and move what you earn
Your takings settle into safeguarded multi-currency accounts issued by FCA-authorised institutions. Hold 23 currencies, exchange when it suits you, and pay out to 170+ countries on the group payments network.
Then spend it, straight from the balance
Physical and virtual Visa cards for you and your team, in two forms: a debit card that spends straight from the balances your sales settle into, and a prepaid card you load with what you need, when you need it.
- Spend what you hold: euros from euros, dollars from dollars, pounds from pounds. No double conversion eating into your balance.
- Controls you set: instant freezing, and every transaction visible the moment it happens.
- Cards for the team: physical or virtual, per person or per purpose, all funded from balances you control.
Run it all from one screen
Accounts, payments, cards and FX in one place, and yours to move. No phone call, no form, no waiting for someone else to press the button.
- Every balance, live: your currencies side by side, each in its own named virtual account.
- Move money yourself: transfers and conversions when you decide, not when an account manager gets back to you.
- Every payment traceable: status on every transfer, filterable, and exportable when finance asks.
Overview of accounts and recent activity
My accounts
GBPVirtual account412,880.00
EURVirtual account128,640.00
USDVirtual account74,300.00
SEKVirtual account96,500.00
NOKVirtual account55,400.00
DKKVirtual account31,750.00
Recent activity
↗Sent to Halden Components ABSEPA · 12 Jul 2026Settled−EUR 34,600.00
↙Received from Brightwater RetailFaster Payments · 11 Jul 2026Settled+GBP 61,200.00
↗Payroll run, 38 paymentsBacs · 10 Jul 2026Initiated−GBP 92,450.00
Chosen path
One payment, weighed across every available rail and routed the way most likely to arrive.
Smart Routing
Every payment on its best rail
Our intelligent routing technology automatically chooses the best payment route for every transaction, optimising speed and reliability without any additional effort from you.
- The fastest arrival: Speed where it matters: the route that tends to settle soonest for your currencies and destination.
- The highest chance of success: Favouring the rail most likely to land first time, to reduce failed, delayed or returned payments.
- The right rail per corridor: SWIFT, SEPA, SEPA Instant, Faster Payments, CHAPS, BACS or a local rail, matched to where the money is going.
How we protect your money
Check us before you trust us
Every regulated company in the group has a public registration you can check: FCA firm reference numbers in the UK, and a FINTRAC MSB registration in Canada. Look us up first. We’d rather you did.
Check the licencesSafeguarded, not lent out
The institutions that hold your money can’t lend it to anyone. It’s kept segregated from their own funds under the FCA’s 2026 safeguarding rules, which means it exists to be returned to you.
How safeguarding worksYou always know who holds it
Which institution, in which country, under which licence, all named before you sign anything. No silent offshore routing.
Meet the groupBuilt around how your money moves
Tell us where you sell, which currencies you deal in and what you process. We match you with the institutions in the group that fit. Complex businesses get assessed on their merits, not turned away by category.
Everyone we serveCommerce
International and wealth
Property
One team to deal with. A group of licensed institutions behind it.
You talk to one specialist, start to finish. The institutions behind them hold your funds, move your money and answer to their own regulators.
Talk to a specialist
A specialist calls to understand your business, currencies and corridors. No obligation, typically within 24 hours.
We map & match
Your specialist matches you to a suitable regulated institution in the group and is your single point of contact.
Onboarding
The institution completes regulated onboarding and checks. We guide you through every step.
Go live
Your accounts and payments are ready. Your specialist stays as your point of contact after go-live, not just until the sale.
Payments, explained in plain English
Open the hub
Risk & Rules
Is my money FSCS protected?
Banks are covered to £120,000. E-money is safeguarded instead.
Understand
Open a UK business account from abroad
The route that works for non-UK companies, step by step.
Frequently asked questions
A licensed company in our own group, never a third party we pass you to: Remittance360 Ltd for accounts and safeguarding (FCA-authorised EMI, FRN 901072), VIP Payments Ltd for payment execution (FCA-registered SPI, FRN 750503) and MDRN FX Services Limited for remittance (FCA-authorised PI, FRN 540997). For card acquiring, your contract, onboarding and underwriting sit with VIP360, while authorisation and clearing run on sponsoring acquirers’ rails and the card networks. The group entity holds your funds, never the platform.
Yes. Businesses that mainstream providers find hard to serve are assessed on their merits (your flows, history and compliance posture), subject to each provider’s own eligibility, KYC/KYB and compliance assessment. If we can’t help, we say so.
First contact typically within 24 hours. Business accounts open in 48 hours subject to a complete application, and merchant acquiring can go live in as little as 48 hours, subject to all relevant documentation. Overall timing depends on the institution’s regulated onboarding.
The group includes FCA-authorised and FCA-registered institutions: Remittance360 Ltd (EMI, FRN 901072), VIP Payments Ltd (SPI, FRN 750503) and MDRN FX Services Limited (PI, FRN 540997). Every licence is checkable on the FCA register, and each service names the entity that provides it.
Tell us how you move money
Currencies, corridors and volumes: a specialist maps your needs and tells you honestly whether the group can help.