Bad Credit

A term used to describe a poor credit rating. Common practices that can damage a credit rating include making late payments, skipping payments, exceeding card limits or declaring bankruptcy. “Bad Credit” can result in being denied credit.

Balance Transfer

The process of moving an unpaid credit card debt from one issuer to another. Transfers of the balance owed may occur through the use of special checks, or may be handled directly by the issuer on your behalf.

Bank Account

Bank account number for the merchant to which funds will be deposited. Bank Identification Number (BIN) – The first six digits of a Visa or MasterCard account number. This number is used to identify the card issuing institution.

Bank Of Scotland Merchant Service

Are a Cardstream supported merchant.


A payment card issued by a bank. Business Card (Business Credit Card) – Usually issued to corporate executives or business owners in order to keep business expenses separate from personal charges more easily.

Barclay Card Merchant Services

Has over 40 years of experience with companies of all sizes and has UK based service team. Barclay is a Cardstream supported merchant.