Customer checkout
Your customer pays through an online checkout, payment link or other supported payment channel.
BRIS GROUP · Merchant account services
Accept card payments.
Prepare your business
for processing.
Explore merchant account and payment processing options for your business. BRIS GROUP helps you prepare your application, explain your activity and organise the supporting documents.
Card payments explained
From your customer’s payment
to your business account.
Merchant services enable a business to accept debit and credit card payments. A dedicated merchant account is one route; some payment providers offer a shared or aggregated arrangement instead. The appropriate option depends on your activity, customers, sales volumes and how you deliver your products or services.
Payment processing
The payment information is passed through the processing network so the customer’s bank can approve or decline the transaction.
Settlement to your business
For completed transactions, funds are paid out according to the provider’s settlement schedule, fees and any applicable reserves.
A payment gateway connects the checkout to payment processing. A merchant account supports card acceptance, while a business bank account receives payouts and supports day-to-day banking. A provider may combine several of these services.
Choose around your business
Look beyond the headline transaction fee.
Activity & customer markets
Check whether the provider supports your business model, incorporation jurisdiction, customer locations and sales channels.
Fees & contract terms
Compare transaction charges, monthly fees, currency conversion, refund and dispute fees, contract length and cancellation terms.
Payouts & reserves
Understand settlement timing, payout currencies and whether funds may be held back as a reserve or made subject to other conditions.
Checkout & integration
Confirm compatibility with your website or sales platform and support for the payment methods and recurring billing features you need.
Disputes & refunds
Review how refunds and chargebacks are handled, the evidence you must retain and the support available when a payment is disputed.
Security & reporting
Ask about checkout security, fraud tools, card-data handling requirements and access to transaction and settlement reports.
Application preparation
Show who you are.
Explain what you sell.
The provider needs to understand the company, its owners and the activity it will process. Requirements vary, but the following information is commonly requested.
Company & ownership
- Incorporation and constitutional documents.
- Director, shareholder and beneficial ownership details.
- Identity and address documents for relevant individuals.
- Business address and relevant licences.
- Details of the business account intended to receive payouts.
Sales & website information
- Website address and a clear description of products or services.
- Expected monthly sales, average transaction value and customer countries.
- Delivery arrangements, refund policy and customer contact details.
- Terms and conditions and privacy information.
- Processing statements or trading evidence, where available.
Our role
Prepare your application with BRIS GROUP.
Review your activity
Tell us what you sell, how customers pay and where your company and customers are located.
Explore potential routes
We discuss processing options in light of your requirements and the providers’ eligibility criteria.
Organise the application
We help prepare company information and supporting documents within the agreed service scope.
Support the review
We assist with application coordination and requests for additional information as agreed.
The provider makes the final decision on acceptance, pricing, settlement terms and reserves. BRIS GROUP does not guarantee approval or a fixed connection time. Technical integration depends on the selected provider and your website platform.
Common questions
Before you start accepting payments.
Is a merchant account the same as a business bank account?
No. Merchant services enable card acceptance. A business bank account supports banking and typically receives the payouts. Some payment providers combine functions, so check what is included in the proposed arrangement.
Does every business need a dedicated merchant account?
No. Some businesses use a payment provider’s aggregated arrangement. Others apply for a dedicated merchant account. Suitability depends on the business profile, processing needs and provider criteria.
Can a new company apply?
Some providers consider new businesses without processing history. You will still need to explain your activity, ownership, website, expected sales and delivery arrangements.
Can I accept payments in different currencies?
This depends on the provider. Check both the currencies customers can pay in and the currencies available for settlement, together with conversion fees and supported customer markets.
What is a chargeback?
A chargeback is a card payment dispute raised through the customer’s card issuer. You may be asked to provide evidence about the transaction, delivery or refund. Charges and outcomes depend on the provider’s terms and the dispute process.
Can you arrange processing for any business activity?
Provider acceptance depends on the activity, jurisdictions, licences and risk assessment. Tell us the full business model at the outset so potential eligibility can be considered before proceeding.
Related services
Support for your wider business setup.
Business banking
Explore support with corporate bank account options and application preparation.
Company formation
Review incorporation and corporate services for your proposed business structure.
Business licences
Explore licensing support where your proposed activity requires authorisation.
Discuss your payment requirements
Tell us how your business accepts payments.
Include your website, company jurisdiction, products or services, customer countries, expected monthly sales and required currencies.