Accept payments
Merchant accounts for UK businesses
Including sectors banks often decline. One direct relationship — your contract, onboarding and underwriting with us — on the rails of licensed acquirers.
What you get
A merchant account matched to your sector
Underwriting that assesses your business on its merits — including sectors mainstream banks routinely decline.
One integration
A single unified API for cards, wallets, open banking and alternative payment methods, with 3DS2 and SCA handled in the stack.
Settlement your treasury can work with
Multi-currency settlement in 40+ currencies with clear reconciliation and reporting.
A named specialist
A single point of contact from first call to go-live — and after it.
Selling in a specialist sector? See the industry pages for iGaming, crypto, forex, travel and more — or read what a merchant account actually is.
VIP360 is the platform, not the counterparty: regulated services are provided by the licensed institution you are matched with, under its own licence and terms.
Frequently asked questions
What is a merchant account?
A merchant account is the account that receives your customers’ card payments after authorisation and clearing, before settlement to your business account. You need one (directly or through a provider) to accept card payments.
Can we get an account if our bank declined us?
Very possibly. Acquirers classify some sectors as higher-risk, which is why mainstream banks decline them — but specialist underwriting assesses your actual business: your history, chargeback profile and compliance. That is what the group’s network is built for.
How long does approval take?
You can be live in as little as 7 days, subject to all relevant documentation. Complex cases can take longer — your specialist tells you what to expect up front.
What will it cost?
We quote per business rather than publish a rate card, and every fee category — processing, settlement, reserves, chargebacks — is named and explained before you commit. No hidden risk premium.
Check if we can help
Tell us your sector and volumes. If the group can’t serve you, we’ll say so — and tell you why.