Card payments for builders merchants
Reduce card fees and get paid faster
Modern payment solutions designed for builders merchants and trade counters. Improve cashflow, reduce card processing costs and access funds faster. If you want a broader overview, see our guide to card payment solutions for builders merchants in the UK.
Transparent pricing
Faster settlement options
UK-based support
Transparent pricing • Faster settlement options • UK-based support
Free comparison • No obligation • Built for UK businesses
Why merchant branches switch
Trade counters need faster payments and clearer pricing
Builders merchants process large daily card volumes. Faster settlement and transparent pricing can improve working capital and reduce unnecessary payment costs. If you are reviewing your setup, it is also worth understanding whether builders merchants are overpaying for card processing.
Common pressure points
- Large daily card volumes
- Trade counter speed matters
- Cashflow tied up in settlement delays
- Unclear effective card rates
A better fit for merchant branches
Pulse Payments helps builders merchants reduce fee pressure, improve access to funds and modernise how they take payments at branch level.
Upload your merchant statementFree comparison • No obligation
Sector example
What switching could mean for a builders merchant
For a merchant processing £60,000 per month in card payments:
Typical provider
- 1.6% card fees
- Around £960 per month
- Settlement in 1–3 working days
Pulse Payments
- Around 1.0% pricing
- Around £600 per month
- Faster settlement options available
Potential annual saving
£4,320+
For a fuller breakdown, see our guide to card machine costs for builders merchants.
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
Built for merchant branches
Built for how merchant branches take payments
Builders merchants have different payment pressures to many other businesses. Trade counter speed, higher-value transactions and working capital all matter. You can also compare the best card machines for builders merchants if you are reviewing terminal options.
Trade counter speed
Fast, reliable payments for busy counters where queues, staff flow and customer experience matter.
High-value transactions
Transparent pricing becomes more important when transaction values are higher and fees add up quickly.
Account customers & branch teams
Payment processes need to work cleanly across day-to-day branch operations and different team members.
Cashflow visibility
Faster settlement and clearer reporting can help improve working capital control across the business.
What we provide
Payment solutions designed for merchant branches
If you are comparing options more closely, read our guide to comparing card machine providers in the UK to understand the differences in fees, terminals and settlement terms.
Card payment processing
Dependable card processing with transparent pricing and clearer visibility over what you are actually paying.
Terminals & hardware
Fast, modern terminals for trade counters and branch environments where reliability and speed matter.
Business account & reporting
Keep track of settlements and payments in one place with clearer reporting and easier payment management.
Compare your fees
See what your branch could save
Upload your latest merchant statement and we’ll show you your current effective rate, where fees may be adding up and what switching could save. You can also read our guide to card machine pricing in the UK if you want to understand the charges in more detail.
Upload your merchant statement
Free comparison • No obligation • UK-based support
Frequently asked questions
Questions builders merchants often ask
Can builders merchants reduce card processing fees?
In many cases, yes. Reviewing your merchant statement helps identify your true effective card rate and where savings may be possible.
How quickly can a merchant branch switch provider?
Many merchant branches can switch quickly with minimal disruption, depending on setup, hardware and account requirements.
Do faster settlement options help cashflow?
Yes. Faster access to card payment funds can help reduce pressure on supplier payments, working capital and day-to-day cashflow.
Are card terminals suitable for busy trade counters?
Modern card terminals are designed for fast, reliable transactions, helping trade counters keep payments moving during busy periods.