Ultimate Guide to Tattoo Studio Merchant Accounts

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

Tattoo Studio Merchant Accounts

Are you a tattoo studio owner looking to transition from a ‘cash only’ policy to accepting card payments? The process may seem daunting, especially considering the unique nature of the tattoo industry. In this ultimate guide, we’ll walk you through the crucial aspects of finding suitable card processing for your tattoo studio and how electronic payments can streamline your business operations.

Understanding Tattoo Studio Merchant Services

When applying for a tattoo merchant account, the structure of your company is vital. If you operate as a sole trader, each artist will need their own merchant account. However, some limited companies act as the merchant of record, handling splits before settling with individual artists.


Choosing the Right Tattoo Studio Payment Processors

Not all payment processors accept applications from tattoo studios, but those that do often offer reasonable rates and long-term processing. To increase your chances of approval, provide all necessary documentation, including ID, proof of residency, transaction history, cash flow forecast, licensing documentation, and an incorporation certificate.

Breaking Down Tattoo Studio Payment Fees

Fees for accepting card payments at your tattoo studio consist of fixed fees (e.g., terminal hire, authorisation fee, PCI compliance) and percentage costs per transaction. Compare merchant accounts based on their pound-for-pound value, and consider switching accounts every few years to optimise costs.


Navigating Tattoo Studio Credit Card Processing

Most card transactions in tattoo studios are face-to-face, so selecting the right hardware is crucial. Terminal contracts typically last for a minimum of 12 months, with options to either lease or purchase the machine upfront. Consider whether you need a chip and pin machine for off-site tattooing at events.

Dealing with High-Risk Merchant Accounts for Tattoo Studios

If your payment processing has been declined or terminated, you may need an alternative solution. Experts at Merchant Advice Service HQ can assist in finding suitable long-term accounts tailored to your tattoo studio’s needs.

Exploring Online Payment Processing for Tattoo Studios

For studios taking deposits for bookings or bespoke designs, online payments offer convenience. Options include pay by link, email invoices, website payments, social media channels, and Mail Order/Telephone Order (MOTO) via a virtual terminal.

Understanding Tattoo Studio Payment Gateways

To process online payments, your studio needs both a payment gateway and a merchant account. A payment gateway facilitates online transactions, integrating with your website and chosen merchant account provider.

Fast Settlement for Tattoo Studio Merchant Accounts

Tattoo studio owners often prefer quick settlements. For a small monthly fee, card payment funds can be received the next working day, improving cash flow and facilitating timely commission payments.

How Merchant Advice Service Can Help

Navigating the intricacies of setting up card payments for your tattoo studio can be overwhelming. Merchant Advice Service HQ’s experts can guide you through the process, ensuring you find the best solutions tailored to your unique business needs. Contact us today for personalised assistance.


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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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