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  1. PayPal Integration

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    buy_pix bay

    Cardstream are proud to announce that we are now fully integrated with PayPal, this is great news for all of our partners and their potential merchants. How can our PayPal integration help sales? Let’s look at some key benefits.

    Retaining Fickle Customers with PayPal


    Increase Basket Conversion Rates – When a cardholder approaches your merchant’s website and has identified the product they wish to purchase; they will go through your payment process. A smooth payment process is paramount, especially considering studies reveal that the average cart abandonment rate is an average of 68.63 % [1], whilst it can be as high as 80.00%. This means that between only one in three to one in four people will complete a purchase through your site. It’s no secret that ease of payment and a range of payment methods are a huge factor in checkout [2].

    By putting a range of reliable and recognisable payment methods on your payment process, you can help to improve those rates. This can only mean more orders, in turn business growth. Our PayPal integration is a way of helping your merchants achieve their own growth.

    Broaden Potential Customer Base – PayPal isn’t just a reliable payment method, “[PayPal is] one the world’s largest internet payment companies” according to an article from Forbes [3]. This is corroborated by the fact that PayPal operates in over 200 markets with over 179 million registered and active users [4], that’s potentially a lot of card holders that may have purchased through your website because of our integration with this payment processor.

    Why PayPal Integration in Cardstream’s Payment Form?


    The inevitable question here is why might a merchant choose to host the PayPal integration through Cardstream as opposed to having it available independently? The main benefit of this is the ability to monitor PayPal transactions through Cardstream, centralising your transaction management to one secure portal.

    By having this on your Cardstream payment form too, your merchant’s cardholders are able to choose from a range of payment methods on one page, as opposed to having different options at various stages through your website. Therefore, your MasterPass, PayPal and Android Pay options will be available to select from one central page; with more wallet system to be added in the future.

    PayPal is Zeitgeisty


    Recent articles predict that collaboration is the future within the Fintech sector [5], our PayPal Integration is one such example. ‘Teaming up’ is a great way to gain access to things that may have otherwise be unreachable. Brad Brodigan (General Manager and Vice President of Retail) recently suggested some direction that PayPal will continue to take in the future

    “If we [PayPal] are going to help merchants enable commerce, we have to make sure we don’t force them to make choices about what payments they accept. We expect that will include PayPal, but also everything else,” Brodigan told Webster.

    And, he noted, with 167 million users, scores of merchants, and a single-minded dedication to payments and payments alone for almost two decades – PayPal feels that they can afford to be open.

    “We’re tech agnostic” [6].

    They’ve recently evidenced this further in their huge partnership with MasterCard [7]. We’re very excited to see where they go next!

    Cardstream, like PayPal, fully intend to continue to add to their range of payment methods, this means integrations with some of the biggest payment methods available right now; such as PayPal, Android Pay and MasterPass. By enabling these for your merchants, your white-labelled service can continue to fuel your business by increased transactions through your merchants’ gateway. Our PayPal integration is an important step to removing barriers between cardholders and merchants.

    Cardstream are great at partnerships, we enjoy successfully working with our existing partners and continue to work or next big integrations and relationships.










  2. Pay Button

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    Sometimes people need a friendly reminder that their invoice is overdue, but sometimes that message can fall to the bottom of the pile. Sometimes arranging a call for a payment by telephone may take longer than you anticipated. Enter Cardstream’s Pay Button.

    Bring Out Your Debt!

    Why should you use a Pay Button instead of just expecting a cheque or calling up at a later date? If someone gave you the option to pay at the till for your lunch, or pay when you get home by writing a cheque or performing a transfer, which would you choose? For just this reason it’s a good idea to address the client’s invoice sooner rather than later. A 2015 publication from the ABFA claimed that UK SMEs owe over £67 billion pounds in unpaid invoices [1], nobody likes owing a payment and nobody likes being owed a payment. A Pay Button at the bottom of an invoice is a great way to enable the merchant or cardholder to cough up with a gentle reminder written above.

    Well what about security? Don’t worry, we have you covered here; aside from the payment being taken on our PCI DSS 3.2 compliant to level 1 Hosted Form [2], electronic payments are much safer than manual payments, just checkout this article published by First Data [3]. Invoice repayment is just one example of the exciting ways our Pay Button can be used.

    Other Uses

    Our Pay Button can be integrated into websites too! Talk of flexible. This would be especially useful for merchants who wish to offer a payment page per product, negating the need to have a shopping cart or basket. This would help reduce costs and time demands for technical integration. In aid of this, the Pay Button can be recoded in appearance to fit the theme of the website. This means you could re-adapt the button for purpose, how about a donation link? The Pay Button gives you the freedom to redesign for your merchants.

    But… How?

    Whilst it’s true that the idea of a Pay by Link is essentially nothing new for eCommerce merchants, white labelling Cardstream’s service allows you to offer a payment method that we were one of the earlier providers of. This has allowed us over time to evolve the service to fit your client’s needs.

    Cardstream offer a Pay Button and a Pay by Link. The button can come in multiple formats that befit purpose: you would pre-set the values of the payment form it points to, such as amount and redirect URL, and then the link produced can be integrated into any HTML by copy and pasting.

    Why not watch this video demonstrating our Pay Button? Feel free to contact our Support team to discuss how the Pay Button adds value to your service offering.




  3. PCI DSS 3.2 Changes

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    Audits affect all sectors in some shape or form. These exist to protect consumers and merchants, they are therefore extremely important, despite the fact they can sometimes cause a few eyes to roll. At Cardstream however, we ungrudgingly intend for security to be absolute. Aside from our broad range of fraud prevention technology, we make sure that we are ahead of the curve in regards to PCI DSS compliance to keep merchants processing safely. To that end, I’d like to inform you of new PCI DSS guidelines that are coming in. PCI DSS 3.1 will be retired in October of this year making way for PCI DSS 3.2. Cardstream are here to inform you on these changes we’ve been accommodating since its announcement.

    Multifactor Authentication – This is now a mandatory request for non-console administrative access where previously it was only necessary for remote access to a system. Multifactor authentication is the act of providing two forms of identification as necessary access to the system as opposed to just one. This can be in different forms of ID, such as biometrics, passwords or smart cards. A password in itself is now insufficient.

    TLS 1.1 Change – Due to feedback and the PCI SSC’s understanding of the payments industry; they identified that the original date for the TLS 1.1 migration (June 2016) was not ideal. In PCI DSS 3.2 that date has been expanded to accommodate a longer migration period, therefore TLS 1.1 will now need to be in place by June 2018. Cardstream will be following suit.

    Penetration Testing – In line with incoming standards, service providers are now expected to perform penetration testing every six months, instead of every year, this is sub-requirement The testing routine 11.3.4 has been added to ensure the testing is completed by a qualified internal or external third party.  Penetrating testing is the attempt of a party to identify, by attempted infiltration, any problems in the service provider’s security.

    Ongoing Monitoring – Requirement 10.8 and sub-requirement 10.8.1 are being introduced in the standard’s framework. These requirements expect service providers to detect and report all failures on critical security control systems. The purpose of this is for companies to provide a system that alerts them when critical controls fail: without this companies may find issues can go unnoticed and become cracks in the system that attackers could infiltrate.

    Also being brought to people’s attention with PCI DSS 3.2 is the need to stop using outdated and unsupported software in the CDE (Cardholder Data Environment). This is because when patches are brought out for security, for example into Windows XP, that patch won’t reach that software, making the system potentially penetrable.

    These are some of the bigger PCI DSS 3.2 changes that are being bought in and Cardstream are fully prepared for this transition. Please see our shiny new PCI DSS 3.2 certificate here.

    For any information about Cardstream security and additional fraud checking services, or to just to poke around for details about our gateway, why not give us a call on 0845 00 99 575? A member of the Cardstream team will be ready to answer any questions you may have.

  4. Back-up Merchant Accounts

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    Being prepared is something that was always drummed into me as a child. From the enchanting Lion King song from the villainous Scar, being a Cub Scout and their famous motto ‘Be Prepared’ to my own parents urging me to ‘plan for every contingency’ when it came to exams. Even the hedgehogs crossing the road chirping merrily ‘Staying Alive’ by the Bee-Gees (“Stop, Look and Go!”) in road safety adverts. By being cautious and having a plan-b you can remedy any shortcomings of plan-a. Cardstream are a pragmatic bunch and realise the importance of mitigating risk, and in terms of a payment facility, minimising downtime. Of course our gateway has 99.9% uptime, so there is such little outage it’s not even worth mentioning, around seven minutes planned maintenance over the spread of 365 days.

    But of course, your entire payment facility isn’t hosted by Cardstream. We give you the gateway and can connect you to multiple acquirers. We have absolute faith in all of our acquiring partners, but sadly there is some downtime that can’t be foreseen. It’s important in the event someone isn’t prepared, that you are.

    Cardstream are an independent Payment Gateway. That means we work with all of the UK merchant account providers and some within Europe too. So when you join Cardstream, you have at your disposal the opportunity to put multiple merchant accounts in place, spreading your risk. Due to our independent position, Cardstream are in a unique place to get rates for your back-up merchant account. If one merchant account provider goes down, you can carry on. Stability and consistency are important to a business. To organise a quote for a new merchant account call 08450 00 99 575 or email [email protected] and someone will be ready to help you set-up your back-up merchant account.

  5. Age of the Credit Card

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    Vintage Transactions


    The swinging 60s. Revolution was at the heart of these years. Technology and the zeitgeist were evolving, music was evolving and retail was evolving. It’s all connected. At a time when the identity of Britain is something that people are presently debating, it seems appropriate to look back at some other defining events in our history. One such event is the introduction of the plastic to the UK: the beginning of the age of the credit card.

    How old is the Credit Card?

    Outside of the UK, the Diner’s card had started to take hold as an idea and a payment method. In February 1950 it launched and a year later there were 20,000 Diner Club cardholders; this was in New York after a soon-to-be founder embarrassingly forgot their wallet at a restaurant. The function of this card was for travel and entertainment, much like other cards that would begin to emerge, they too had to be repaid in full at the end of the month. MasterCard had ideas like a credit card as early as 1946, but Diner’s Club set this perpetual wheel in motion. Cards up to 1959 were all cardboard or celluloid!

    The age of the Credit Card is 50 years as of the 29th of June 2016 for Britain. Which means that credit cards were released in the same year that England won the world cup. It truly was a busy time for England. They were given something to celebrate and the means to fund the celebrations as 1.25 million plastics cards were sent by Barclays to their customers from June the 29th. Barclays were ahead of the game and the credit card revolution for Britain had begun.

    Immediate Advantage

    Barclay’s objective was apparently to “reduce the use of cash in shopping and other transactions and the scheme is designed to appeal not only to those who must travel and spend a good deal of money in restaurants but also to the everyday shopper throughout the country.” Barclay’s biggest competitors didn’t yet have an answer for this for half a decade.

    Once Barclay’s new credit card project had launched their customer base quickly grew before the competitors could begin to enter the market. In fact, 1.7 million of these cards were already in circulation before Access, now not in circulation, was released by a team of high street bank competitors. The age of the credit card was well underway. However, the limits were vastly different to what they have now. In 1966 the credit limit was only £100 and you could only borrow for one month, the interest rate was 1.5% and only 27,000 outlets accepted the card across the UK.


    People have been applying for their credit cards for over 5 decades, making them nearly as old as The Beatles  (who performed their last UK concert in this year) and just like The Beatles, it’s gone on to shape the culture of the following half century. In keeping with the more liberal movement, credit cards helped to disassemble barriers women had to purchasing whimsically as other credit methods at the time required a male guarantor. Compare to now, I have to ask the girlfriend to get a pair of trainers on credit! Maybe we owe more to the age of the credit card than we think.

    Of course, the credit card itself it still evolving, as retail and technology change, so do us all. We now have virtual credit cards that allow us to pay for goods without opening our purse or getting out of our chair.  Our generation have extraordinary freedom in their credit and purchasing, we can buy music from today and from decades before us. From jewellery purchases to charitable donations, credit, and credit technology give us the ability to change our own appearances and change the world around us. Here’s to another 50 years of evolution.

  6. What is a White Label Payment Gateway

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    Cardstream’s White Label Solution

    Technology cannot be grown. You can’t plant it and pluck it a few weeks later. It takes development and expertise, time and financial investment. How much better it would be to simply have another person do all the hard work and then you rebrand it for your own distribution. This is a process referred to as white labelling and it is used in a variety of sectors, for example:

    • Supermarkets – for goods such as cereals, biscuits, crisps or other goods;
    • cloud technologies;
    • banking;
    • electronics; and most relevantly
    • Payment gateways.

    By rebranding an existing solution you have the benefit of having an already advanced and market moulded technology available to offer your clients. The Cardstream white labelling solution is particularly turn-key. You can have a solution ready for your business to resell in a fortnight as soon as negotiations are finalised. What has taken Cardstream nearly two decades to produce is yours to profit from within a fractionally short time frame. If you need a new function for your existing gateway product, then your company won’t need to develop it: we do, sparing you the expense and culpability in the process. Stay functionally relevant without lifting a finger, except maybe to tick a box.

    ISO’s and Other Companions

    Independent Sales Organisations are level-headed and aggressive in marketing folk, never one to turn down a lucrative opportunity. We know 85% of them white label a payment gateway. It compliments their existing product. Further to this, they are missing out on income by not taking advantage of a payment gateway. Some other examples of companies that could potentially be either missing out on or complimented by their own white label solution could include: ticketing companies; companies that process large volumes of memberships; website design companies that want to provide an entire e-commerce solution to their clients or any other business that feels having some money per transaction through their website is something worth investing in.

    Reseller solutions especially fit-in businesses such as the above as it provides a more holistic solution for your business. It becomes sticky as the entire solution would be provided by your company. Such as you processing the tickets and not missing out the costs that would usually go to your payment provider, garnering more funds per transaction.

    Which to Choose?

    Each gateway is unique. They’re unique in technology, attitude, agenda and aesthetics. We’re all established and successful as a result of our investments in these aspects. And hats off because we all do our own thing and we do it well. Choosing a gateway as a merchant is complex. But choosing a platform upon which to run an entire business is more complex. Cardstream hope to make their gateway simple, cost effective and tailored towards white labelling. Being independent from an acquiring bank perspective means that we have solid relationships in the UK merchant banking space and can therefore board any company with a UK (or European) merchant account. Being so heavily invested in white labelling means that our platform is engineered with this exact business model in mind. Even been to a tailor? We are the tailors. Our gateway is that perfect shirt that fits just right.

    Cardstream also have other aspects of their gateway that are designed for the accommodation of a white label solution. For example our range of shopping cart modules that will help to board clients from a large range of e-commerce platforms, such as integrations with the giant Shopify and popular WordPress plugins.

    A Harmonious Working Relationship

    Cardstream have quite a few pairs of ears at work, ears that are planted firmly to the ground. Our dedicated team and Account Managers work closely with our reseller partners. You are guaranteed a phone call during working hours to help with any issue with no automated voice intermediates, a ring or two and you’re through. Additionally you are guaranteed an email response to any enquiries within an hour, but usually within a handful of minutes. We give you the attention that is essential to any working relationship. Our objectives are set by the requirements of our partners too. You don’t always necessarily need to ask, if we notice trends in the requests of our partners, we develop accordingly.

    To rebrand Cardstream’s Payment Gateway has a low set-up cost and rebranding fees. Your needs as a company are evaluated with a personal Strategic Channel Manager who will work closely with you to develop a relationship and white label solution that is mutually beneficial to all parties and something you can trust in.


  7. Cardstream – A Unique Gateway

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    It’s common for authors to over-state or labour the point in their titles to grab the reader’s attention. After all, we as people like to draw attention to our best bits and keep people’s focus there. Overstating them if you will. Except that’s not the case here.  Cardstream is unique. It’s humble in serving its merchants and partners. It’s agenda confluences with its customers’ and it cares. We develop according to demand, by listening to what you have to say. We try to behave as if we are the best payment gateway.

    You can’t run a technology company as large and connected as ours on fair heart alone. It takes time and money investment to become the best payment gateway. You want to be on our side because of what we can offer you. Say you ran a hotel. You want to make sure that your demographic isn’t restricted to one particular type of person, else they may be put off by your décor or room sizes etc. We’re all familiar with Basil at Fawlty Towers and how he strives to allow only the poshest patriots into his hotel, ostracising his clients in the process. Cardstream have spent over two decades developing a Solution that accepts a diverse a range of merchants and partners as possible. From High Risk merchants to Low Risk, from local businesses to non UK merchants, from the smallest charities to larger corporations. This is a technical endeavour as well as the result of the tireless relationship building we manage. How have we made this possible?

    First and foremost; Cardstream is an independent Payment Gateway. This here means that we work with all of the UK merchant banks and operate with some in Europe too. There are several advantages to this: we can board any UK business that approaches us with a MID, regardless of previous gateway; we can contact a larger range of acquirers to help our merchants get a new MID, increasing the chance of a high-risk business getting an account and helping to keep merchant account rates down; the ability to spread risk by having multiple MIDs connected to the same gateway, avoiding any potential processing problems if one account becomes unavailable. Using these same relationships we can indirectly assist with services we don’t provide, such as card machines and IVR systems.

    Secondly we have a Price Guarantee, meaning that Cardstream cannot be beaten on price for the Payment Gateway. Combine this with the more cost effective fees you are likely to get from a merchant account through Cardstream, you could potentially have an unparalleled pricing scheme helping in the search for the best payment gateway for your site; cost is important too. Under the price guaranteed tariff, you would have access to the services you would expect from the best payment gateway:  a virtual terminal, a payment gateway and a pay button. You are free to investigate all of these services Cardstream provide by asking for access to our Test Accounts. The integration page gives a great deal of information, including guides on our iframes, Hosted and Direct Integrations, all of which are responsive. Perfect for viewing on devices of any size.

    What seems like the most adverse competition in the forms of ‘Off the Shelf’ solutions such as PayPal and Shopify can be beaten out on pricing. To some SMEs where every penny counts, the best payment gateway will be the one which doesn’t deduct the most pennies or pounds from their transactions. Speed of set-up may be a factor, but Cardstream can also do fast. With our large range of acquirers we can quickly return a quote to you to begin an application within two working days. We of course support PayPal too, by using Cardstream there’s no conflict in decision between the two popular choices.

    One of the biggest endeavours of Cardstream is to be a provider for white-label solutions, which we’ve put ourselves in a strong position to accommodate. We’ve managed this by developing a large range of integrations with leading providers in e-commerce and partnering with all of the UK Acquiring Banks. This means companies looking for a rebranded Payment Gateway should find it easy to add this new product to their existing range of services.

    Some other super services we offer include: the much sought after Recurring Transactions for all you subscription or contract based business out there; free and unlimited tokenisation; 3D Secure function; a dedicated support team and account manager, available with no delay or voice direction and an email Support service that is very quick in response.

    We are, of course, PCI DSS Level 1 Certified. Security, price competency, excellent customer service, technical support and integration. That’s a pretty good package for only £18 a month.

  8. Android Pay

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    Android Pay

    Google helps me to manage a big chunk of my life. Their technology developments always reshape the way I do things. I’m talking about Gmail, Google Drive, Google Maps, Forms, the search engine and the list goes on. More free technology than I know what to do with. Google has now added payments to the list of ways they support my lifestyle with Android Pay. I use Chrome to check social media and do my shopping. Then I use Android Pay to pay for it. With reflection, it could be argued that my life would be less convenient without Google. Certainly less holistic. So, what does Google’s payment technology bring to the virtual table?

    Android Pay was released on May the 18th and development of this for our merchants and partners is already well underway so that the good people of Britain may begin using this exciting feature. This potentially increases brand loyalty and decreases abandoned carts on your website. Android Pay will sit alongside other popular payment options we will support, such as PayPal and MasterPass.

    Why should you want Android Pay?

    If you’re like me and live in the UK, you will notice that we were quite bereft of online wallet payment options on our Android platforms. Meaning we still paid for our cheeky Nandos with cards made from plastic, a rather archaic pollutant that for over a century, est 1907, we haven’t been able to move on from. And I don’t know about you, but I want to pay with my phone to impress the attractive person in the queue behind me. Major Banks such as Lloyds, HSBC and Nationwide etc. understand this imperative too and so are backing the scheme. Thanks lads. Of course it’s not just to look flashy. It has practical applications too.

    For those of us who are not brand loyalists and shop centred on pricing and convenience, you often find that you have quite a few loyalty cards as a result. For example I have Match and More, Nectar, Club Card, also Boots, Game and Subway cards. It can be a bit fumbly at the checkout trying to navigate through these all, especially with the person behind you tapping their foot, eager to complete their own shopping. Well, with Android Pay the system will incorporate your reward schemes automatically to the payment, saving time and centralising your cards to one secure environment.

    Android Pay Security

    Security options do depend on your platform, but biometrics, particularly thumb/fingerprint, are the most popular methods of device accessing right now for devices that support it. Fortunately my thumbprint is quite constant, whereas sometimes my brain forgets things, amongst the most consequential are passwords and anniversaries. So Android Pay will be protected by the biometrics of now and the future. In the event you have a device such as S7 Edge then you can take advantage of biometrics, if you have an older device then Android Pay is still an application that you can use. However you must take advantage of a passcode to protect your account. The newer devices can use either. Horses for courses.

    Cardstream and Android Pay

    It is our objective to be one of the first gateways to support this awesome new platform, giving an element of exclusivity to Cardstream. Why not read more about the Cardstream Android Pay Integration? Don’t miss out and contact us to get live in time to offer your clients this payment option. If you are a developer you will find the Google Developers page a useful link to download guides and other resources. Watch this space as more payment methods will be added in the future, ensuring your gateway is progressive and accommodating.

    BBC Technology 
    Android Blogspot

  9. WordPress

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    WordPress is a big deal. Would you like to know how much of a big deal it is? It powers 25% of the internet. That’s billions of pages. 60.5 million new comments appear each month on WordPress. We are, after all, a talkative bunch. So why is it so popular? I’ll walk you through it.

    Firstly, WordPress is a well-managed system, we know this because it releases updates every day, this shows that their ear is firmly to the ground as they attempt to continually develop. One way they could do learn about necessary systemic changes is by attending their forums and building based on the activity within. Of course forums are a great place to troubleshoot amongst a community and also projects expand as a result of having a community involved.

    WordPress is both front and back end customisable, this means that your website is, in every sense that matters, yours to do what you want with. If you want it to be upside-down and be covered in pictures of watercress then you’re in luck. Of course if you wanted something more conventional, then WordPress offer a massive range of templates for you to choose from. This could considerably save you time on web-design and the templates will be of a good standard, so you can be confident in your website’s new look. Further to this, if you have an existing website, then you can map it to your new WordPress one, whilst this comes at a fee, you then won’t have to double up on domains.

    What else is good about WordPress? Well, it’s free. Free is arguably within most people’s budget. On top of being free, it offers a huge range of plugins and widgets to spice up your site and assist in effective management of it. Some examples could include the first ever WordPress plug-in ‘Hello Dolly’. The function of which is to supply a line from the song ‘Hello Dolly’ on each of your WordPress administration pages. More functionally useful plugins could include things like Jetpack, which is a page management tool, telling you how many visits you’ve had to your site; informs you of downtime; automatically optimizes and speeds up images using the global content delivery network and a centralised dashboard for your admin tools. Or perhaps Buddy Press, a plugin that generates a social network. Or WordPress Video Player, which aids in the simple embedding of video media into your site.

    WordPress is extensible and popular, an ideal place to start producing your website. For people hoping to build an e-commerce store, the omnipresent WooCommerce module may be a good place to start, a hugely versatile plug-in to WordPress merchants may use to start their e-commerce venture. Cardstream offer their own in house-supported module of WordPress, saving you doubling up on communication when facing any technical problems. Links for the download and GitHub page are below.


    WordPress stats (25%)
    Plugins (JetPack, Hello Dolly) 

  10. Taking Payments Online

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    The date is May 21st 2015 and the BBC have just released an interesting article (and then so did I), debit and credit card payments have now overtaken that of cash payments. The significance of the outsizing is apparent and the implication of it is this: if you’re not taking payments online, then you’re missing out on money to your organisation; and get this “Cash volumes are expected to fall by 30% over the next 10 years”. So as time goes on more customer opportunities to an organisation will also increase in the digital world, whilst cash usage adopts a nasty looking ski slope-esque motif on data graphs.

    What does a business do? Sure, it could get a card machine, but digital payments to organisations don’t all happen in-store, in fact a great many occur on the internet: ecommerce. Let’s look at the main options for taking payments online:

    – Payment Gateway
    – Virtual Terminal
    – Pay-by-Link / Pay Button
    – Wire Transfer
    – Wallet System
    – Recurring Payment Agreements

    Wire transfers are considered unsafe if the persons involved don’t know each other due to the anonymity factor. These can be used for illegal or fraudulent activities. With everything else though, Cardstream have got your back. What’s more, we don’t actually charge per payment option. Our one month tariff covers all of these options for helping your business take payments online. But behind the ingenious technology we’ve designed and produced to help you, you need a merchant account too. A merchant account is a banking facility whose role it Is to move funds from your clients bank, into your own business bank. Cardstream have relationships with all of these banking services in the UK and are able to refer to any one of them for an account for your business. Our independent relationship with the merchant banks allows a quotes to be built that may be lower than if you were to approach the company individually. You may also hear the merchant banks referred to as an acquiring bank or a merchant acquirer.

    For only £18 a month and a small transaction fee, you could begin taking payments online for your business by debit and credit cart and have free Support and Advice from professionals at Cardstream.