Simple 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.

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.

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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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