Trusted by UK retail, hospitality and trade businesses
Card Payment Solutions for UK Businesses
Compare pricing, terminals and settlement options — and get paid in seconds, not days.
- Faster settlement options
- Transparent pricing
- UK-based support
Free Comparison · No obligation · UK-based support · Fast setup
Why businesses switch
Most card machines hold your money for days
Traditional merchant service providers often settle card payments in 1–3 working days.
If your business takes £5,000 per week in payments, you could have thousands of pounds waiting to settle before it reaches your account.
Pulse Payments helps UK businesses compare card machines UK providers, reduce fees and access faster settlement options.
Business processing
£5,000 per week
↓
Typical settlement delay
1–3 working days
↓
Money waiting to settle
£1,000–£3,000+
The impact on your business
- Stock and supplier payments feel tighter
- Cashflow becomes harder to manage
- Working capital gets tied up unnecessarily
- You wait days for money you have already earned
A better way to take payments
Pulse Payments helps UK businesses reduce card fees, improve cashflow and access funds faster with modern payment solutions.
Upload your merchant statementFree comparison • No obligation
Everything you need to take payments and access your money faster
Modern payment technology designed to help UK businesses take payments easily, reduce card fees and improve cashflow.
Card payment processing
Simple, dependable card processing with transparent pricing and no hidden surprises. Accept all major cards with reliable settlement and clear reporting.
Payment terminals & hardware
Modern card terminals that are quick to set up, easy to use, and built for everyday trading. Portable or countertop devices available.
Business account & reporting
Manage your payments and settlements in one place with a modern business account designed for businesses taking card payments.
No obligation • UK-based team • Fast setup
Businesses we work with
Payment solutions for a wide range of UK businesses
From retail and hospitality to trade counters and service-based businesses, we help UK companies take payments more efficiently and improve cashflow.
Retail
Card payment solutions for shops, stores and customer-facing businesses.
Restaurants & cafés
Fast, reliable payments for busy venues where speed and simplicity matter.
Builders merchants
Trade counter payment solutions with clearer pricing and better cashflow support.
Trades & services
Take payments on the go, over the phone or on-site with less friction.
Hospitality
Modern payment options for hotels, pubs, bars and guest-facing businesses.
Real savings example
What switching provider could mean
For a business taking £30,000 per month in card payments:
Typical provider
- 1.7% card fees
- Around £510 per month
- Settlement in 1–3 working days
Pulse Payments
- Around 1.0% pricing
- Around £300 per month
- Faster settlement options available
Potential annual saving
£2,500+
Exact savings depend on card mix, average transaction value and monthly processing volume.
Free comparison • No obligation • UK-based support
Why businesses switch
Common reasons businesses change their card provider
Card processing fees keep creeping up
Many businesses start on competitive rates but see costs increase over time through blended pricing, hidden fees or unclear statements.
Slow access to their own money
Waiting days for card payments to settle can put unnecessary pressure on working capital and supplier payments.
Poor service when something goes wrong
Long call queues and unclear support can make even simple account issues frustrating to resolve.
Outdated payment technology
Older terminals and systems can slow down transactions and create unnecessary friction for staff and customers.
Lack of transparency
Many businesses don’t actually know their true effective card rate or what they are really paying each month.
Switching is easier than expected
Modern payment providers can often set up new systems quickly with minimal disruption to day-to-day trading.
Free comparison • No obligation • UK-based support
Compare your fees
See what your card payments are really costing you
Upload your latest merchant statement and we’ll show you:
Your current effective rate
Where fees may be adding up
What switching could save
Faster settlement options available
Free comparison • No obligation • UK-based support
How switching works
Switching your card provider is simpler than most businesses expect
We keep the process straightforward so you can compare costs, understand your options and move ahead with minimal disruption to day-to-day trading.
1
Upload your statement
Share your latest merchant statement so we can review your current effective rate, fees and settlement setup.
2
Review your comparison
We show you where costs may be adding up, what switching could save and which options may suit your business best.
3
Switch with minimal disruption
If it makes sense to move forward, setup is designed to be straightforward so you can get started quickly.
Upload your statement for a free comparison
Secure statement upload • Free comparison • No obligation
Learn more about card payments for builders merchants: solutions, costs, fees and avoiding overpaying.
Common questions about card machines and payment systems
How quickly can I switch my card machine provider?
Most businesses can switch payment providers within a few days. New terminals can usually be set up quickly with minimal disruption to day-to-day trading.
Can card machines integrate with EPOS systems?
Yes. Many modern card terminals can integrate with EPOS systems to streamline checkout, reduce manual input and improve reporting for retail and hospitality businesses.
How much could I save on card processing fees?
Savings depend on your transaction volume, card mix and average transaction value. Reviewing your merchant statement helps identify your true effective rate and where savings may be possible.
What is instant settlement?
Some payment providers allow businesses to access funds from card transactions much faster than traditional settlement timelines, helping improve business cashflow.
Do I need to replace my card terminals?
Not always. Some businesses can continue using existing hardware, while others choose to upgrade to faster terminals with improved features.
Is there a cost to compare my fees?
No. Uploading your merchant statement for review is completely free and there is no obligation to switch providers.
Still comparing providers? Upload your merchant statement and see your true effective card rate.