Your All-In-One Merchant Account

Accept payments in-store and online with Total Processing. Get started with your merchant account today.

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Leading Merchant Account Providers

Choose from a wide range of merchant accounts customised towards your business needs. Total Processing is partnered with multiple acquiring banks to bring complete processing flexibility to any business.

Leading Merchant Account Providers

Choose from a wide range of merchant accounts customised towards your business needs. Total Processing is partnered with multiple acquiring banks to bring complete processing flexibility to any business.
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Account Sourcing
Research different account options and conditions to find the best solution for you.
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Secure Processing
Guarantee debit and credit card transactions are processed securely.
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Optimised Revenue
Pre-check customer accounts for sufficient funds before authorising payments.
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Easy Set Up
Benefit from our active partnerships with banks to streamline the approval process and get a priority set-up.
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Chargeback Protection
Stay protected against chargebacks with Total Defender - a unified solution against fraud and risk.

Start Accepting Payments With One Integration

Our plug-ins support a huge range of existing e-commerce platforms and in-app solutions.

Why Do I Need A Merchant Account?

A merchant account is necessary to allow your business to accept electronic credit and debit card payments. Your merchant account is a business account made to hold payments from your customers. It is held with an acquiring bank while waiting for payments to be approved by the customers bank, before being sent to your business bank account.

Merchant Account KYC

Know your customer (KYC) is the process that a business must go through in order to verify the identity of its clients. Many financial organisations are governed by a regulatory body, which states that each and every organisation has to be fully verified. KYC regulations are in place to protect both you as a customer, and the bank that you are using.

What Does A Merchant Bank Typically Ask For?

Banks can vary in their KYC requirements, but you can expect to be asked for some of the following KYC documents during the verification process:

  • Passport or Driving Licence for the major shareholders and directors
  • Utility Bill or some form of address verification for the key shareholders (Personal ID)
  • Utility Bill or some form of address verification for the Business (Business ID)
  • Business Bank statements

Each Merchant Bank has its own KYC process, and the way in which things are done will differ slightly from bank to bank; however, the above list details the basic supporting evidence that you’ll need to provide to ensure KYC compliance.

Accept Subscription Payments with Total Control Today

Acquiring
Freedom

Match with the best bank from our global partner network to achieve the best processing solution and rates.

Real-Time
Insights

Total Control’s bespoke dashboard shows a complete overview of your commercial activity, with actionable data insights and reporting.

Total
Control

Reconcile and manage transactions directly from your Total Control business dashboard.

Industry Leading
Security

Verify transaction data and settle disputes conveniently and securely with industry leading payment tools.

Payments Made Real

Our mission is to be the most customer-focused payments company in the world.

Working with Total Processing has enabled us to better understand our customers and adapt our services to their needs. Their on-going support has been fantastic and has freed up our own internal resources to work on high impact projects.

Anshul Dokania- Group CFO of Addmind

Get Started

1
Strategise With Us

We'll help you devise the best payments solution for your business.

2
Get Set Up

Explore your new solution with your very own test account.

3
Go Live

Go live and discover the benefits of Total Processing.

4
Ongoing Support

Get dedicated support throughout your processing journey.

Compare Rates From Multiple Banks With One Application

Frequently Asked Questions

A merchant account is also referred to as a merchant ID (MID). Your business needs a MID to accept card payments. Contact us today, and a member of our team will help you through the application process of setting up your merchant account promptly with one of our banking partners.

Merchant account is a different type of business bank account. Your merchant account allows you to accept electronic credit or debit card payments. It is different to your regular business account where you can easily withdraw or deposit money, like with a personal account. Instead, a merchant account’s funds are under the control of the bank. Its main function is to protect and hold assets, while the customer’s bank confirms the payments can be made, and subsequently funds are sent to your account.

The cost of your merchant account will depend on various factors such as the type of industry and/or the level of risk involved in your business. For example, a high-risk merchant account would cost more than a low-risk merchant account.

Once a customer has made a payment, those funds are sent to the acquiring bank that the merchant is partnered with. Each of these payments is then released within a pre-agreed upon amount of days and transferred to the merchant’s nominated business bank account. This length of this period is known as settlement days and varies depending on your acquirer.