Accept payments
Higher approvals. Fewer declines.
Go beyond standard banking with a merchant acquiring partner built to help your business grow. More payments approved, more markets reached and a team that picks up the phone when you need them.
How payments move
From payment acceptance to settlement, manage every step through one acquiring platform. With intelligent routing, real-time risk scoring and transparent reconciliation.
Customer
Initiate payment
Your business
One API integration
VIP360
Routing, risk scoring and compliance checks
Banking network
Authorise, clear and settle
One payment, weighed across every available rail and routed the way most likely to arrive.
Smart Routing
Intelligent acquirer selection
The same criteria route your card transactions toward the acquiring path most likely to be approved.
- The fastest arrival
- The highest chance of success
- The right rail per corridor
Live in as little as 48 hours
One of our specialists guides you through every step, from application to approval. Subject to receiving all required documentation, onboarding and KYB checks run in parallel to keep the process moving swiftly.
What would a 97% approval rate be worth?
Illustrative estimate only. Actual approval rates depend on your sector, card mix, geography and the underwriting outcome. 97% is the network average across all verticals and regions, not a promise for any single merchant.
Frequently asked questions
One simple application brings everything together. Your account, capture method and underwriting are arranged as part of the same process. Simply tell our specialists what you sell and how you sell it.
You can go live in as little as 48 hours, subject to all relevant documentation.
Contract with us through our platform, while we connect your payments to our network of acquiring partners. We manage the acquiring relationships, routing and payment flows, giving you one streamlined experience. Authorisation, clearing and settlement run on those acquirers’ licences and the card networks: we are not the acquirer or a principal scheme member.
Yes. It is granted in underwriting rather than switched on by default. Speak to one of our specialists to help decide whether it’s the right choice for your business. Pricing and eligibility are assessed based on call volumes and average order value.
Yes. The platform is built for complex and specialist businesses, subject to underwriting and compliance assessment. If your model needs a specific conversation, have it with us directly.
Not to consumers. In the UK you cannot add a fee to a customer for paying by consumer debit or credit card, so the cost of accepting cards has to sit inside your pricing rather than on top of it. Cards issued to businesses are treated differently and can carry a fee, which is why some B2B sellers surcharge and most consumer sellers cannot. A minimum transaction value is a separate matter and is not a surcharge. If anyone quotes you a rate on the assumption you will pass it on, check how many of your customers actually pay on commercial cards before you rely on it.
Pricing depends on your sector, volumes and card mix, so we quote rather than publish a rate card. Every fee category (processing, settlement, reserves, chargebacks) is named and explained before you commit. No hidden risk premium.
See how we’d route your payments
Tell us your sector, volumes and markets. We’ll tell you honestly what approval rates and settlement look like for a business like yours.