First Payment Merchant Services: A Comprehensive Review for UK Businesses

For UK businesses looking to accept card payments, choosing the right merchant services provider is crucial. First Payment Merchant Services is one such provider that offers tailored payment solutions to businesses of all sizes. In this review, we’ll explore their services, fees, customer support, and overall suitability for UK merchants.

Who Are First Payment Merchant Services?

First Payment is a UK-based merchant services provider that specialises in card payment processing for businesses across various sectors, including retail, hospitality, eCommerce, and service-based industries. They offer a range of solutions, from countertop card machines to mobile and online payment gateways.

Key Features & Services

1. Card Machines & POS Solutions

First Payment provides a variety of card terminals, including:

• Countertop terminals – Ideal for shops, restaurants, and fixed retail locations.

• Mobile & portable card machines – Suitable for delivery services, tradespeople, and pop-up businesses.

• Contactless & NFC payments – Supporting Apple Pay, Google Pay, and contactless cards.

2. Online Payment Gateways

For eCommerce businesses, First Payment offers:

• Secure payment processing via virtual terminals.

• Integration with major eCommerce platforms like Shopify, WooCommerce, and Magento.

• Recurring billing options for subscription-based businesses.

3. Multi-Currency & International Payments

Businesses dealing with overseas customers can benefit from multi-currency processing, helping them accept payments in different currencies with competitive exchange rates.

4. PCI Compliance & Fraud Prevention

First Payment ensures all transactions are PCI DSS compliant, reducing fraud risks and keeping customer data secure.

Pricing & Fees

First Payment operates on a tailored pricing model, meaning fees vary depending on business type, transaction volume, and risk level. Key fee structures include:

• Transaction fees – Typically a small percentage per transaction (e.g., 1.5% – 2.5%).

• Monthly rental fees – For card machines (varies by model).

• Setup fees – Some businesses may face initial setup costs.

While they don’t publicly disclose fixed rates, merchants can negotiate pricing based on their needs. It’s advisable to compare quotes with other providers like Square, SumUp, or Worldpay to ensure competitive rates.

Customer Support & Reputation

First Payment has received mixed reviews from UK businesses:
✅ Pros:

• Dedicated account managers for personalised support.

• Quick setup and reliable payment processing.

• Flexible contract terms (unlike some long-term agreements with other providers).

❌ Cons:

• Some users report high fees for low-volume businesses.

• Customer service responsiveness can vary.

Is First Payment Right for Your Business?

Best for:

✔ Retailers needing countertop card machines.
✔ Mobile businesses requiring portable payment solutions.
✔ SMEs looking for flexible merchant services without long-term contracts.

Consider alternatives if:

✖ You’re a micro-business seeking the lowest-cost provider.
✖ You prefer completely transparent, flat-rate pricing.

Final Verdict

First Payment Merchant Services offers reliable and flexible payment solutions for UK businesses, particularly those needing in-person card machines or integrated online payments. However, fees can vary, so it’s essential to request a custom quote and compare options before committing.

Next Steps:

• Visit their website for a tailored quote.

• Compare with competitors like PayPal Zettle or Dojo for better rates.

• Check customer reviews on Trustpilot for recent feedback.

Would you like help comparing First Payment with another provider? Let us know, and we’ll break down the best choice for your business!