Merchant services
Your business needs a simple way to accept payments without paying more than necessary or juggling complicated payment systems. SMPL provides flexible merchant services designed to help businesses accept and manage payments both in person and online.
One account covers
every way you get paid.
under one relationship.
What it covers
From credit card processing and modern payment terminals to virtual payments and payment integrations, we give businesses the tools they need to make accepting payments easier. Whether you run a retail store, restaurant, service business, or another type of company, our merchant payment solutions can be tailored to the way your business operates.
The right payment setup can make it easier for your customers to pay and easier for you to manage transactions. SMPL offers a range of business merchant services to support different payment needs, whether you accept payments at a physical location, over the phone, through your website, or a combination of all three.
Accepting credit and debit cards is essential for many businesses, but traditional processing fees can quickly add up. SMPL offers credit card processing solutions designed to provide businesses with a flexible alternative to traditional percentage-based processing models. With SMPL, you can accept major credit and debit cards while choosing a payment solution that fits your business. Our approach is designed to help businesses reduce processing costs while continuing to provide customers with the convenient payment options they expect. Whether you need zero-fee credit card processing for a small business or a payment solution that can support a growing company, SMPL can help you find the right setup.
If your business accepts payments in person, the right payment terminal or point-of-sale system can make every transaction easier. SMPL offers modern payment hardware designed to support different business environments and payment needs. Choose from solutions such as the Smart Terminal, Smart Flex, and POS+ to give customers a convenient way to pay while keeping your payment process efficient. Whether you need a straightforward payment terminal or a more complete POS solution, SMPL can help you choose the technology that makes sense for your business.
We provide tools that allow you to process transactions without relying on a traditional physical terminal. We also provide online payment solutions that can help businesses accept payments through their websites and other digital channels. These tools make it easier to provide customers with convenient ways to pay while keeping payment processing connected to your business. With a Virtual Terminal, you can process payments electronically when a customer is not physically present. This can be particularly useful for businesses that take orders or payments over the phone, send invoices, or need another way to accept card payments remotely.
A payment gateway helps securely connect your customers' payment information with the systems used to process their transactions. For businesses that sell online or rely on other software to manage their operations, payment integrations can help connect payment acceptance with the tools you already use. SMPL's payment solutions can support integrations between payment processing, websites, software, and other business systems. Connecting these tools creates a smoother payment experience for both your business and your customers.
Why SMPL
Choosing a merchant services provider is about more than finding a way to process credit cards. Your payment system should work for your business, help you control costs, and give you access to support when you need it. SMPL brings together the payment services and tools businesses need in one flexible solution.
Every business handles payments differently. SMPL offers multiple ways to accept payments so you can build a setup around your actual needs instead of trying to fit your business into a one-size-fits-all system.
Accept payments where your customers are. SMPL supports both in-person and online payment processing, giving businesses the flexibility to serve customers through different sales channels.
Payment processing costs can be difficult to understand when pricing structures are complicated. SMPL focuses on providing straightforward payment solutions so you can better understand what you're paying for and choose an option that works for your business.
You shouldn't have to figure out your payment processing system on your own. SMPL provides personalized support to help you choose the right solutions and get the most from your merchant services.
Getting paid is only useful if you can access your funds when you need them. SMPL offers next-day funding on eligible batches settled before the daily cut-off, helping businesses get faster access to processed payments and maintain better control over their cash flow.
Getting started
Getting started with SMPL is simple. We'll help you determine which payment solutions make sense for your business, set up your account, and get you ready to start accepting payments.
Consider how your business accepts payments and which solutions you need. SMPL can help you choose the right combination for your business and customers.
Once you've chosen your merchant services, SMPL will help you set up your account and payment solutions, ensuring you have everything you need to start processing payments.
Once everything is ready, you can start accepting payments in the way that works best for your business, at the counter, online, or through a Virtual Terminal.
Card acceptance is provided through SMPL's acquiring bank partners; SMPL is your provider and your support relationship.
Common questions
Looking for one product instead of the whole stack? Browse the payment terminal range on its own page.
Merchant services are the products a business needs to accept card payments: a merchant account to receive the funds, a processor to move the transaction, a terminal or gateway to capture the card, and the support around it. SMPL provides all of these as one account instead of separate vendors.
Card processing starts at a $24.99 monthly subscription that includes your first Smart Terminal and a Virtual Terminal, instead of a percentage of every sale. Additional hardware and services are priced separately, and final pricing is confirmed once your business type and card volume are reviewed.
Yes. Card payments settle through a merchant account. Card acceptance is provided through SMPL's acquiring bank partners; SMPL is your provider and your support relationship, so you deal with one company rather than a bank, a processor and a hardware vendor separately.
Next-day funding is available on eligible batches settled before the daily cut-off. Batches closed after cut-off, at weekends or on bank holidays fund on the next banking day. Funding speed can also be affected by standard risk review when an account is new.
SMPL supports retail, restaurants, service businesses and online businesses, among others. Some sectors are restricted by acquiring banks and card network rules regardless of provider. Tell us what you sell and we will confirm before any paperwork starts.
Terms vary by the payment solutions you choose. There is no blanket contract or cancellation fee across every SMPL product, and the terms that apply to your account are set out in writing during onboarding, before you sign anything.
Get started
Your payment processor should make running your business easier, not add another layer of complexity. SMPL provides flexible merchant services for businesses that want a straightforward way to accept payments, manage transactions, and find opportunities to reduce processing costs.
Ready to simplify the way you accept payments? Get started with SMPL and speak with a payment specialist to find the merchant services that are right for your business.