No credit check credit card processing

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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.

No credit check merchant services

We often get asked about instant merchant accounts no credit check, due to the fact that not everyone has a credit history or some have experienced adverse credit in the past. Although there are some accounts available, with no credit checks, the account provider or acquiring bank will decide whether to credit check or not at application stage. Here we look at the reasons companies require credit card processing with no credit check and they options available.

High risk no credit check merchant account services

Companies who deal in high risk sectors often feel that they require an account with no credit checks or an instant approval. Often businesses will apply to companies such as PayPal or Stripe in the hope that they can trade unnoticed, unfortunately more often than not high risk businesses will have their accounts terminated. Using high risk specific acquirer’s from the outset will illuminate the risk of having to seize trading unexpectedly.


Start-up company merchant services with no credit check

Start-up businesses often have no trading or credit history therefore believe they require a merchant account with no credit check. Cheaper ‘pay as you go’ options are available to newer businesses however longer term this can be costly. We work with start-up specialist who can provide long term solutions. TIP – once you have six months’ worth of transaction statements, we can then look for a new account for you, often negotiating on fees.


Online merchant account no credit check

Ecommerce and companies wishing to use virtual terminal credit card processing with no credit check believe they need to do so often as a quick fix. Instant approval accounts offer a speedy set up, however may not be the correct solution long term. For example, if you operate in a high risk industry and set up an instant account when you start to trade, the likelihood is that once you start processing payments notice will be served by the account provider. Ensuring businesses have the most suited merchant account from the begin is vital and minimizes risk of any ‘down time’ while searching for a new provider.

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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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