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Simple merchant accounts

Published - 16 February 2018
Revised - 12 July 2024

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Libby James – Founder & Payments Expert
Written by Libby James

Libby James is the founder and Managing Director of Merchant Advice Service. Since 2016, she has worked directly with businesses and payment providers across merchant accounts, card processing, payment gateways and complex provider requirements.

Libby specialises in high-risk, declined and harder-to-place merchants, as well as businesses requiring specialist payment methods, integrations or international support. She writes and reviews Merchant Advice Service content, drawing on practical experience gained from real merchant enquiries and provider relationships.

Clear and simple credit card processing

We often get asked for merchant services guide for dummies, this is understandable as the industry terminology and contracts can be very confusing. At Merchant Advice Service, we believe that simple online credit card processing should be readily available to merchants big and small – our aim to unravel the confusing surrounding accepting card payments in person and online.

Simple merchant services

Keeping things simple is what we specialise in. Our experts give advice in Plain English to enable you to make an informed decision as to what account will suit your company best. You will have one point of contact from enquiry to application. We believe most of the complication comes from confusing and/or hidden fee structures and terminology, so we make sure that all of the advisors we work with are transparent, up-front and honest. We’ve also written a simple guide on the website to help merchants understand what they’re paying for and why.

Business changing ownership?

If you have just taken over an existing business and need to find an easy way of switching accounts, let us know. Our experts will aid you in seamlessly changing from an existing merchant account to a new one, in your name. Call us today.

Easy online credit card processing

To accept payments online companies require a merchant account and payment gateway. This is where some clients tend to get confused and make decisions for ease rather than based on what’s in the businesses best interests.

For long term easy online credit card processing merchants should choose a reliable payment gateway provider most suited for the industry type. For example some merchant account and payment gateway providers specialise in high-risk industries and others are more suited to start-up businesses. Our advisors will help you find the easiest way to take card payments now and in the future.


Written or reviewed by Libby James, founder of Merchant Advice Service and specialist in merchant payments and complex provider requirements.

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