US Merchant Services

Whether customers pay through a website, an app or in person, the payment provider needs to fit the way the business sells. Fees matter, but so do settlement, refunds, chargebacks, international cards, recurring payments and the provider's appetite for the company's industry.

Coutts Consultants can help eligible businesses prepare for merchant onboarding and introduce them to a suitable third-party payment provider where an appropriate route is available.

For online and physical businesses

Merchant and payment services can support online checkout, payment links, subscriptions, card terminals and other payment methods depending on the provider.

Stripe, for example, currently provides online and in-person payment processing and supports a wide range of currencies and payment methods.

What providers look at

Providers can ask about products or services, expected turnover, average transaction size, fulfilment, refunds and previous processing history.

A new business may need forecasts and website information, while an established merchant may be asked for processing statements.

International and e-commerce businesses

US companies selling globally may need international cards, several currencies or integration with e-commerce platforms.

The payment flow should be explained clearly so the provider can assess the business on the correct basis.

How Coutts Consultants can help

We review the merchant requirement, prepare the application information and introduce the business to a suitable third-party provider.

The provider decides acceptance, pricing, settlement arrangements and any reserve or risk conditions.