A merchant account enables a business to accept payments made via credit and debit cards. An account is established with an agreement between an acquiring bank and the merchant.

An acquiring bank is a financial institution that processes debit and credit cards on behalf of a merchant.  Acquiring banks provide the merchant facilities and settlement of the merchants funds earned through payment processing.

A merchant account provider gives companies the ability to accept and process debit and credit cards in return for goods and services.  The merchant can be delivering such goods and services either through face to face, telephone or internet based offerings.

Merchant services are better explained by being the technology and, accounts and equipment that a business needs in order to accept payment through debit and credit cards.

Merchant services work by allowing the consumer with the debit or credit card to process a payment for goods or services supplied by the merchant.  The merchant then receives the funds from the transaction with it been deposited into the merchant account held at the acquiring bank.  Then on an agreed cycle the merchant will receive the funds received.

A payment gateway is an online service provider that provides the technology for the authorisation of debit and credit cards.  The technology provides a connection between a merchant’s business website and the acquiring bank as well as providing the functionality for other services such as MOTO and other payment service solutions.

A chargeback is a request from a credit/debit card provider to a merchant to provide the funds back on a disputed transaction.  Such requests are usually passed to the merchants acquiring bank and then on to the merchant either resolve or defend the request.  Chargebacks can be for a host of reasons such as fraudulent use, disputed amount, poor service, damaged goods to name a few.

We discuss and understand a merchant’s needs before providing pricing.  Unlike many other companies we do not provide a “one suit fits all service”.  We at Axcess look to understand the business model and what you need before providing the details on price.  This way we can make sure you have what you need and nothing more or less, only then can we give an accurate price and ensure you are only paying for what you need.

If your business is searching for a merchant account solution...

call us on +44 (0)113 819 7156 or send a message and we’ll be in touch as soon as possible.


Over 2000 active merchants on our platforms.


connected banks.


available currencies.


alternative payment methods.


different PCI Level 1 gateways

- In Relation to Merchant Support

"All I can say about the service, communication and technology the team at Axcess provide is that it is far and above anything I have ever experienced in card acquiring and needless to say, you will continue to be the only solution for us. We have been in online services for over 10 years and in that time we have come across our fair share of issues and problems that can happen in working in a cutting edge niche. Since we have been with Axcess we have had nothing but exemplary support and help in dealing with issues that arise from time to time and would whole heartedly support you guys with everyone we meet who ask about online payments (apart from our competitors).  Thank you!"

Online Merchant - UK
- In Relation to Merchant Support

"You have always been a massive help to myself and my staff, so once again on behalf of the entire company I’d like to extend my sincere gratitude for your time and effort."

Law Company - PPI and Claims
- In Relation to Integration Support

"I want to thank you for the very efficient way that you have handled this matter. You have been totally brilliant. I love dealing with Axcess - out of all the payment services providers we have been with, I have to say that you guys are the best for customer service."

Online Pharmacy
- In Relation to Management Information

"I've just had a look at the transaction analysis report and this is absolute gold for me. No acquirer ever provided me with a such complete analysis."

Online Dating Company

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If you require further information or would like to talk to us about opening a merchant account you can