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2021 Retail Merchant Services Payments Reviews: UK Fees & Pricing

Retail Merchant Services Logo

Retail Merchant Services was founded in 2007.  Its aim is to supply small and medium UK businesses with affordable card payment solutions. It is an independent credit and debit card processor which supplies low cost credit card solutions and high quality credit card terminals.

Retail Merchant Services Credit Card Processing & Payment Services

Retail Merchant Services Payments

Retail Merchant Services has a range of payment solutions for accepting payments over the phone, online, via invoice or in person.  Retail Merchant Services accepts multiple currencies from all major debit and credit cards:

  • Visa
  • Mastercard
  • American Express
  • Contactless
  • Apple Pay
  • Android Pay

Retail Merchant Services Pricing & Fees

Retail Merchant Services doesn’t list its prices on its website.  These must be obtained by contacting the company directly or through one of their agents or resellers.

To see how that compares have a look at: UK Merchant Account and Credit Card Processing Fee Comparison.

Retail Merchant Services Features

  • Fully certified PCI compliance and security for customers
  • 24/7 UK based support
  • Countertop Card Machines
  • Portable Card Machines (wireless)
  • Mobile Card Machines (GPRS)
  • Professional card terminal installation
  • Offer customers cashback, deposits and gratuities
  • Inclusive legal advice (24/7)
  • Inclusive Tax and VAT Investigation Insurance
  • Preferential business bank accounts

 

Online Payments

  • Online Merchant Account and online payment solutions
  • Hosted Payment Page or integrated API solutions
  • Pay by link, pay now button and e-invoicing payment facilities
  • Compatible with 20+ Shopping Cart Plugins
  • Instant online reporting tools to track transactions in real time
  • Set up recurring payments

Company Background

Retail Merchant Services’ head office has been in Milton Keynes since it was founded in 2007.  The company was started by payment industry experts, including Paul Bentham, who were looking for a more affordable solution for SMEs who needed to process card payments. RMS is a European ISO of merchant account provider Elavon.

In February 2017, Retail Merchant Services was acquired by TCV, a leading provider of capital to growth-stage private and public enterprises in the technology industry.  This acquisition and investment will enable RMS to grow and expand their innovative payment services for its merchant customers.  Paul Bentham and the remainder of RSM’s shareholders and the management team, all reinvested alongside TCV.

Retail Merchant Services has over 45,000 merchants in the UK and Ireland.  Gareth Poppleton is the present managing director of the company.  The company uses independent sales reps and resellers to market and sell their product.  Their standard contract length is three years, which is renewed automatically at the end of that period.  There are hefty penalties to pay for contract cancellation.  Retail Merchant Services has won many industry awards since its inception, including winning the Elavon ‘Outstanding ISO performance’ six years in a row.

Retail Merchant Services Pros & Cons

The following pros and cons are based on information available on Sage Pay’s website and reviews from Trustpilot, and Reviews.

Pros:

  • Ease of swapping provider
  • Affordable and competitive rates
  • Same day clearance of funds
  • Good customer service
  • Installation done for you

Cons:

  • Incidences of terminal breakdown and slow exchange
  • Incidences of customer service not following up on problems
  • Slow on giving refunds
  • Confusion over cancellation charges for equipment
  • Cancellation fees

Retail Merchant Services Reviews

  • Trustpilot: 4.4 out of 5 based on 4,624 reviews
  • Reviews: 1 out of 5 based on 9 reviews

Retail Merchant Services Merchant Machine score is 6.4 out of 10 (average of 2 sites above).

Website: www.retailmerchantservices.co.uk

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Comments

  1. J kirschmann says

    January 16, 2020 at 11:54 pm

    Horrendous company. Bare faced liars. Stay away.

    Reply
  2. Daz says

    February 4, 2020 at 5:01 pm

    I totally agree with above comments. They totalt lie to you about same day payments they bully people and charge over 1100£ to cancel when you tell them your not happy . Stay away from thee.s robbing bas..terds. they will have your pants down in no tine at all . Disgusting customer service. They dont tell you nothing apart from how good they are . Its all bare faced lies do not trust them .

    Reply
  3. Joanne Elliott says

    June 17, 2020 at 2:43 pm

    Don’t use this company!!!!! As a customer of 9 years, I have been treated appallingly today! Wanting to charge me £1263.05 to leave! Please read on, it gets worse! I have asked to cancel my contract and was told I had renewed it in March 2019 for 36months (I couldn’t recall this) I had asked if I could be emailed my contract copy as i could not find the emailed copy or recall the phone conversation she had said I had.
    the RMS colleague replied “no problem i will get back to you with it”.
    They called me back saying “they have no email as the colleague has left and no phone record as it’s been over a year, but looking into it they can see that I have been charged lower rates from march 2019 and if I didn’t admit to renewing a contract in march they have been undercharging me so I will have to pay back that as well”. So i said your backing me into a corner and asking me to admit something I can’t recall over a year ago! To top it off the card machines are terrible, before lockdown my machine kept cutting out as a transaction was going through so we didn’t know if our clients had been charged or not. Getting through to them isn’t easy and over the years I have spent hours on the phone trying to resolve issues with my terminal. which when you have clients booked in for a full day is a nightmare! I honestly was shocked by the lack of customer service or care especially while we are in these tough times such a shame they really let themselves down.
    I’ve been looking into what other companies charge for cancelling and this is by far the highest! Very unreasonable company!
    if I hand a choice i would leave 0 not 1 star!

    Reply

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