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Merchant Accounts from Total Processing

A merchant account is a bank account which is used to acquire payments from your clients’ debit and credit cards. The charges are taken from your client’s account and sent directly to your merchant account, where the funds are held until they are settled into your nominated bank account.

Having a merchant account for your business will help to support you and your customers with the best security and data protection. They ensure debit and credit card transactions process safely whilst checking that there are sufficient financial funds in the customer’s account prior to authorisation.

At Total Processing we can provision an online merchant account, sometimes referred to as a MiD or merchant identifier, for your business. We have built up strong partnerships with a number of merchant banks and providers, and can help to find the best merchant account and service for your needs.

In order for financial funds to be moved into a merchant account, card transactions must be processed. Today, the majority of transactions are processed electronically. There are three aspects required in order for a merchant to accept payments – a merchant account, a payment gateway and a card terminal or online shopping cart. Opening your new merchant account with Total Processing means that you’ll also be processing payments online via our payment gateway.

Why we’re leading providers of merchant accounts

We can contact multiple bank services and apply for your eCommerce merchant account on your behalf, saving you the hassle of researching different account options and conditions etc, leaving you with more time to get on with running your business. Sourcing the right merchant account with the right bank is critical to the success of your eCommerce business; getting the settlement terms, merchant category code, fraud settings, and various others account settings right is crucial as this will dictate the payment management of your business.

If you’re looking for the cheapest merchant account that caters to the needs of your business, speak to the experts here at Total Processing. Please contact us today and we’ll be happy to discuss your needs and conditions, and help you find a suitable merchant account.

What goes into setting up an online merchant account

Opening an internet merchant account to start accepting payments online is similar to opening a regular bank account, although there are several extra factors and conditions that the bank provider will take into consideration. One of the largest factors which is evaluated during this process is the nature and products offered of the business on the whole; this is the initial risk assessment and your business will be placed into one of two different categories: high risk and low risk.

Providing your business meets the necessary terms and you have provided the applicable details, setting up an online merchant account with us can be a smooth and simple process. However, your account application could be delayed if the acquiring bank perceives your business as high risk.

Application (KYC)

Know your client application form

PCI Compliance

Everything you need legally


Deposits, reserve balances, payments


The costs and fees to run the account


How and when your funds get to you

Fast account set-up

There’s no need to fill out multiple, and seemingly endless, forms with details about you and your business. We’ll take one application form and submit it to all the banks we pre-select as being the best option for your business model, making the entire process of bank account application far smoother and simpler for you.

Real-time communication

By entrusting us to handle your merchant account application you can be guaranteed that throughout the application process we will maintain regular communications with the bank. Maintaining regular communication with the bank ensures that we receive real-time feedback and updates to support you with your application.

Priority set-up

We have an active partnership with all the major merchant account banks, so when we send an application on your behalf it gets processed much more quickly. Our reputation and standing with the account providers will directly benefit and help you; your application will be considered much more carefully as we’ve already vetted it thoroughly.

High acceptance rate

Choosing to open your new merchant account via Total Processing typically means that the rate of acceptance is higher than usual as you’ll also be processing payments online via our payment gateway service. Knowing that we’ll be managing your financial transactions with all the risk management features at the first stage of payment acceptance provides peace of mind to the bank.

Cheapest prices

Banks take applications from us knowing that the payment solution has been cherry picked and vetted carefully. This process allows the banks to view your application with a diminished risk factor, granting them more scope and details for lower discount rates and overall fees.
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About Us

We’re a team of experienced, friendly professionals who pride ourselves on our unique combination of technical expertise, business acumen, and fantastic customer service. Established in 2015, the team at Total Processing works closely with businesses of all shapes and sizes to create finely tuned advanced payment solutions that result in tangible improvements to revenue and online conversions.

Total Processing Limited

Address: Ground Floor, Adamson House, Towers Business Park, Wilmslow Road, Didsbury, Manchester, M20 2YY

Phone: 0330 122 6418

Email: sales@totalprocessing.com