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Visa/Master card Payments CHOOSE YOUR PLAN

Debit Cards


  • You can get cash back at point of sale as well as at ATM machines
  • no interest charges
  • doesn’t affect your credit rating
  • can help you budget because of the spending limits


  • doesn’t build up your credit rating
  • you may be able to spend more than what’s in your account and you’ll be charged fees
  • If you lose your card you may lose the funds in your account

Credit Cards


  • on time payments can help to build up your credit rating
  • You can make a purchase even if you don’t have available funds at the time
  • can be protected from fraud or theft


  • If you don’t pay your balance in full you will be charged interest
  • you can easily go over your budget
  • You will be charged fees and interest for late payments


The Payment Card Industry Data Security Standard (PCI DSS) refers to payment security standards that ensure all sellers safely and securely accept, store, process, and transmit cardholder data (also known as your customers’ credit card information) during a credit card transaction.

Any merchant with a merchant ID that accepts payment cards must follow these PCI-compliance regulations to protect against data breaches.

The requirements range from establishing data security policies for your business and employees to removing card data from your processing system and payment terminals.

“Cardholder” or payment data covers information such as the full primary account number (PAN), the cardholder’s name, and the credit card service code and expiration date.

Sellers are also responsible for protecting sensitive authentication data in the magnetic-stripe data (e.g., CAV2, CVC2, CVV2, CID, PINs, PIN blocks, and more).

Faster Payments Service/ Bank Transfer

When a customer makes a Faster Payment, it will generally work in the following way:

1.Simon wants to pay his friend, Mike, who has an account with different bank.
2. Simon instructs his bank through his mobile phone, online or telephone banking service to pay £50 to Mike now. Simon’s bank carries out its normal checks to verify that he is the genuine customer. For example, they may ask Simon to provide a password or other security information.
3. In addition to Simon stating the amount he wants to pay, he also provides Mike’s sort code and account number – this is the information used to address the payment. Simon also enters the name of the account he wants to send the payment to, which will appear on his statement along with any reference details so that Mike knows what the payment is for.
4. Before Simon’s bank allows the payment to be made, it will check that Simon’s account has sufficient funds and that the request to make a payment is genuine. In certain cases, the bank may need to hold the payment to undertake further checks to protect Simon.
5. Simon’s bank sends the transaction through the Faster Payments Service. From this stage onwards, Simon is committed to making the payment.
6. The Faster Payments Service sends the payment instruction to Mike’s bank (the ‘receiving bank’) after checking that all the relevant details are included and properly formatted.
7. Once Mike’s bank has received the instruction, it checks that the account number is valid (note, it does not verify that the account name and number match), and then sends a message back to the Faster Payments Service that it has accepted (or rejected) the payment.
8. The Faster Payments Service credits the receiving bank with the funds and sends a message to the sending bank to let them know that the transaction has been made successfully.
9. Simon’s bank marks the transaction as complete. Each sending bank will decide how this confirmation will be made available to its own customer. In all cases, once the payment has been made, a confirmation message will always be sent between banks.
10. Simon’s bank confirms the fate of the payment to Simon.
11. The receiving bank will credit Mike’s account with the £50 sent by Simon

Where Mike’s account is with a Faster Payment Participant Bank, he should generally be able to see the credit on his account within seconds and also be able to access the funds.

If Mike’s account is with a non-participant of the Scheme, then it may take longer for funds to be shown on his account. Note: The maximum value threshold for individual payments that can be processed through Faster Payments is currently £250,000 however individual banks and building societies set their own value limits for their personal and corporate customers. Information on these value limits is available here. You can also check whether a specific sort code is able to receive Faster Payments here.

Chip & Pin Payments

In place of cash, most people choose credit and debit cards for their purchases. for speed and convenience

Card payments mean customer's needn’t be on the premises and can pay by phone also known as a Virtual Terminal, this allows businesses to take card payments over the phone from customers who don’t have time to pop in, or who may not be local

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