Ingenico Card Machine

Merchant Services and What is a Merchant Account?

Made up of two parts, “Merchant Services” is a generic name given to the service which allows a business to accept credit or debit cards:

The first part is a physical card machine (also known as a card reader), for transactions which take place face to face. Transactions can be entered into a “Virtual Terminal” for transactions which are taken over the phone, which is basically on online version of a credit card machine.  A “Payment Gateway” is when the physical card machine is replaced by a service for transactions which are taken on a website.

The second part is an account an Acquiring Bank.  The Acquiring Bank is a bank which processes the card transactions and deposits funds into your current account.  UTP’s Acquiring Bank partner is Barclaycard Payment Acceptance, part of Barclays Bank.

A merchant services solution from UTP includes both of the above components enabling your business to accept the full range of domestic and international card types from Visa and Mastercard.  The UTP product range is summarised below.

UTP Credit Card Machine

Countertop Card Machine

The countertop card machine is ideal for any type of business, big or small who wish to take credit and debit card payments at the till or sales desk. Standard transaction types includes sale, cashback, refunds and gratuities are all configurable and all major credit and debit cards such as Visa, MasterCard and American Express can be processed.

The iCT250 model can accept contactless payments – the most current, fast, easy and secure way for your customers to pay. Our countertop card machines are easy to install – simply follow the easy instructions to start accepting card payments within minutes!

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Ingenico Portable Card Machine

Portable Card Machine

Our portable card machines are the ideal way to accept card payments with a range of up to 100 metres from the Bluetooth base unit within your premises. These pocket sized wireless devices are ideal for a pay-at-table environment.

The iWL252 and iWL258 portable card machines can process all major credit and debit cards such as Visa, Mastercard and American Express and are able to accept contactless payments – the fast, easy and secure way for your customers to pay. The devices are easy to install – follow the simple instructions to start accepting card payments within minutes!

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Ingenico Mobile Card Machine

Mobile Card Machine

You are able to accept credit card payments on the move with our mobile card machine. These pocket sized credit card machines are wireless and are easy to carry around. The devices come with a roaming SIM card which means the credit card machine will automatically search for the strongest mobile phone signal anywhere in Gibraltar. These devices can also be configured for pre-authorisations, gratuities & Cashback!

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Virtual Terminal

A Virtual Card Machine or Virtual Terminal is a web-based version of a traditional credit card machine which can be accessed securely from any internet connected web-browser or device such as PC, tablet or smartphone.

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On-line Payment Gateway

An Online Payment Gateway solution allows customers on your website to make payments for goods and services using a credit or debit card. Payments can be taken from customers in most countries around the world allowing you to dramatically increase the reach of your business and geographic spread of your customer base.

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Cash Advance

Are you looking to expand your business? Or do you need funding for refurbishing your premises? Our flexible merchant funding solution could be the answer.

We offer an unsecured form of funding to UK businesses that accept card payments.

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UTP means fast. Payment in hours not days. Detailed transaction reporting. Simple bank reconciliation. Greater fraud protection.

Get Paid Faster

New to Card Payments?

How does it all work? What else do I need to process credit cards? Our helpful Beginners Guide is here to help.

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Switching Suppliers?

Is your business paying too much for your card processing? Switch to our card processing and you save 40%!

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Are you ready to take the next step?

Pricing and Online Application Form