Chamber Merchant Services – credit and debit card processing

Preferential rates and added-value benefits are on the cards 

Leveraging on the buying power of the British Chambers of Commerce accredited network, as a Dumfries & Galloway Chamber of Commerce member you can now take advantage of discounted card processing rates and added-value services.  And however you take cards - face to face, by phone, email or via the internet - there's a range of options to meet your needs.

Attractive Benefits and Additional Services: 

·         British Chambers of Commerce nationally endorsed service

·         No set up fee for Chip & PIN * - save up to £175

·         Exclusive rates for Chamber members 

·         No Minimum Monthly Charges or Authorisation Fees

·         No Authorisation Fees

·         Complete Payment Solutions – Card Present, Virtual Terminals and E-Commerce

·         State-of-the-art Chip & PIN terminals including IP Secure Connect solutions 

·         Expertise in meeting PCI DSS Compliance standards

·         Mobile short term hire for events, trade shows and exhibitions

.         ClientLine - our online reporting tool 

·         Quick and Simple application process

.         Free, no obligation, Merchant health check 

How do I find out more?

For further information or to apply please call 0800 652 5808. Lines open Mon - Fri 8:30am - 5:30pm

Frequently asked Questions:

What level of card turnover is required to qualify?

It doesn’t matter how much you process on card – Chamber Merchant Services includes preferred rates for all levels of card turnover, from small and start-up businesses to established, high card turnover, multiple outlet businesses. For high turnover businesses your situation will be assessed to ensure the most appropriate package is offered to suit your business needs.

A complete terminal suite is available to suit all businesses, from Static, Bluetooth (restaurant style), Mobile or Virtual Terminals with rental costing as little as £16.95 + VAT per month.

Can all businesses benefit?

All businesses who are members of Dumfries & Galloway Chamber are eligible to apply. All applications are risk assessed before services are provided, and there are a very few categories where service may be denied or a higher tariff imposed due to their high risk profile.

However all applications are profiled individually so it is always worth completing the application form.

Is ‘Chamber Merchant Services’ only for retail and service industry offerings?

No, more and more business-to-business organisations are choosing cards as their preferred way to pay as it enables them to receive electronic management information and simplify the business payment process. What's more, with the increasing demand to buy online, ecommerce solutions enable you to drive more revenue to your business.

What types of payment services are available?

Chamber Merchant Services is provided by a world-leader in Card Acquiring technology and offers solutions to facilitate almost all Card Payment requirements. From your standard static face-to-face “Card Present” system, to mobile, unattended terminals and e-commerce/internet payment solutions.

What is PCI DSS and what does it mean for my business?

PCI = Payment Card Industry, DSS = Data Security Standard

PCI DSS is a single, worldwide framework which aims to protect cardholder information. PCI DSS is a compliance requirement that applies to all card scheme members; issuers, acquirers, merchants and service providers and must be validated on an annual basis.

Chamber Merchant Services includes PCI DSS Complete Solutions, which includes an online portal to guide you through this annual process. PCI DSS Complete Solutions also provides access to dedicated support staff and professional consultants for more complex businesses. Businesses without internet can also complete the compliance process over the phone.

What costs are involved?

Costs involved in accepting card payments vary dependant on your specific requirements. Example of ‘typical’ costs for a Chip & PIN terminal-based solution are as follows:

Terminal hire. This covers the equipment you will need to have on site in order to process credit and debit card payments. The terminals offered include Chip & PIN functionality and can be static, Bluetooth portable, or mobile. Chamber Merchant Services rates are from £16.95 + VAT per month.

Joining fees. These can differ dependant on your business but are FREE to chamber members signing up for a Chip and PIN terminal. A nominal fee of £50 is required for e-Commerce or Virtual Terminal accounts.

Minimum Monthly charge. Many providers have a minimum charge each month on transaction costs. This has been WAIVED for Chamber members. 

Transaction Fees. You will be charged a small percentage of each transaction on Credit Cards and a flat rate charge for a debit card transaction. The rates for this vary depending on your total card turnover and Chamber Merchant Services offer preferential rates. In addition, authorisation fees on each transaction are waived.

How do I apply?

For further information or to apply please call 0800 652 5808 to discuss your specific need. Lines open Mon - Fri 8:30am - 5:30pm