Take card payments in the UK. We do the rest.
80+ UK acquirers compared in a two-minute form. We match you with the right card-payment provider for your trade, negotiate on your behalf, then stay your named UK account team for the life of the agreement. Free. Acquirer pays our commission. No call-back spam.
- 80+ UK acquirers
- 2 min application
- 24/7 named UK account team
- Companies House #16833937
Pick your route
Where do your customers pay?
Each route opens a different UK acquirer shortlist tuned for your sales channel.
In-person, at the till
Shops, restaurants, salons, mobile traders, market stalls. Card terminal or Tap to Pay on iPhone.
Get in-person quotes
Online, on your website
Shopify, WooCommerce, custom checkout, subscription billing. Payment gateway, not a terminal.
Get online gateway quotes
High-risk vertical
Gambling, crypto, vape, CBD, adult, subscription, dating, supplements, firearms. Specialist acquirers only.
Get high-risk quotes
Need both in-person AND online? Pick omnichannel, one acquirer covers both rails.
What you get when you sign up
From match to switch, we handle it.
24/7 named UK account manager
A real person you reach by phone or email, not a chatbot. Same contact for the life of the merchant agreement.
Quarterly rate reviews
As your card volume grows, we go back to the acquirer and renegotiate. You don't lift a finger.
Chargeback drafting
Disputed transaction? We draft the rebuttal evidence with you so the acquirer sees a clean defence.
Switching support
When a better fit emerges, we handle the notice paperwork and time the cutover for low-volume hours.
Compared on every application
Dojo · SumUp · Square · Zettle · Stripe · Adyen · Worldpay · Barclaycard · Tide · Tyl by NatWest · Revolut · Take Payments · Trust Payments · Acquired.com · Elavon · myPOS · plus 65+ UK specialist acquirers and resellers
Pick by product
Product-specific quote pages
Skip to the page tuned for your buying intent. Each one runs the same matched-acquirer process under the hood.
- Online payments for UK businesses Stripe Checkout, Adyen Web, Shopify Payments, Square Online, GoCardless. We match you against the right UK online gateway for your platform, volume, B2B-vs-B2C mix and SCA / 3DS2 requirements. See product page
- High-risk card payments for UK businesses Online gambling, crypto, subscription billing, dating, adult, supplements, CBD, vape, firearms, travel, pawnbroking. Mainstream UK acquirers (Stripe, Square, Dojo) decline these. We work the specialist UK panel that does underwrite. See product page
- UK card machine for UK businesses We match you against 80+ UK card-payment providers most likely to approve and beat your current pricing. Free to apply. Acquirer pays our commission. 24/7 named UK account team for the life of the agreement. See product page
UK merchants ask
Common questions
Who is MerchantHQ?
A UK whole-of-market card-payment broker. We compare 80+ UK acquirers and specialist resellers, match you with the right product for your trade and trading shape, then stay your named UK account team for the life of the agreement. Free to apply, acquirer pays our commission.
How is this different from going to Dojo or Stripe directly?
You can. But Dojo, Stripe, SumUp, Square all sell one product. MerchantHQ compares all of them plus another 76 UK acquirers including the specialists for high-risk verticals. We negotiate on your behalf and stay your named UK account team after the application. Better rates for most merchants, particularly above £15k monthly card volume.
What does it cost?
Free to apply. Free comparison. We earn commission from the acquirer when an account goes live, not from you. No fees, no contract on our service, no obligation after seeing your matched quotes.
How fast does it actually take to get card-payment quotes?
Two-minute application. Matched UK acquirers contact you within 24 hours with indicative rates, contract terms and hardware options. For most mainstream verticals, hardware ships in 2 to 5 business days from acceptance. High-risk verticals take longer for underwriting (typically 5 to 15 business days).
Will you call me 50 times if I fill the form?
No. Acquirers contact you with quotes, you compare, you pick the fit. We do not sell your details to a broker spam panel. If a matched acquirer does not engage in 48 hours, we follow up once.
Can MerchantHQ help if my application has been declined?
Yes. We have specialist UK acquirers on the panel who pick up where mainstream acquirers decline: high-risk verticals (gambling, crypto, vape, CBD, adult, subscription), post-Stripe-freeze merchants, sub-12-month trading history, sole traders, CCJ history, faith-institution donation systems. Tell us your situation in the form, we route accordingly.
Get matched in 2 minutes.
Whole-of-market. Free. Acquirer pays our commission. No call-back spam.
Get my quotesReviewed by Oliver Mackman, Director. Last updated 19 May 2026.