NatWest for Business: Taking Card Payments in the UK

For UK businesses looking to accept card payments, NatWest offers a range of merchant services designed to streamline transactions, improve cash flow, and enhance customer convenience. As one of the UK’s leading high-street banks, NatWest provides tailored payment solutions for small, medium, and large businesses.

NatWest Merchant Services: Key Features

1. Card Payment Solutions

NatWest provides businesses with multiple ways to accept payments, including:

Countertop & Portable Card Terminals – Ideal for retail, hospitality, and service-based businesses.
Mobile Card Readers – Enables payments on the go via smartphones or tablets.
Online Payment Gateways – Secure eCommerce solutions for businesses selling online.
Virtual Terminals – Process card-not-present (CNP) transactions over the phone or via email.

2. Competitive Transaction Fees

NatWest offers transparent pricing with competitive transaction fees, including:

Pay-as-you-go – No monthly fees, just a per-transaction cost.
Monthly plans – Fixed fee structures for businesses with higher payment volumes.

3. Fast Settlements & Integration

Funds typically reach your NatWest business account within 1-3 working days.
Seamless integration with accounting software like Xero, QuickBooks, and Sage.

4. Security & Fraud Protection

PCI DSS compliant – Ensures secure card data handling.
Advanced fraud detection – Reduces chargebacks and fraudulent transactions.

5. Additional Business Benefits

24/7 UK-based customer support.
Multi-currency processing for international sales.
Loyalty & gift card programs to boost customer retention.

Is NatWest Right for Your Business?

NatWest’s merchant services are best suited for:
✅ Brick-and-mortar retailers needing countertop terminals.
✅ Service providers & tradespeople requiring mobile payments.
✅ Online businesses looking for a secure payment gateway.

Alternatives to Consider

While NatWest is a strong option, businesses may also explore:

Barclaycard (for high-volume merchants)
SumUp (low-cost mobile payments)
Square (flexible POS solutions)

Final Verdict

NatWest provides reliable, secure, and flexible card payment solutions for UK businesses. With competitive fees, fast settlements, and strong customer support, it’s a solid choice for SMEs looking to accept card payments efficiently.

Next Steps:
Compare NatWest’s pricing with other providers.
Check eligibility based on your business type and turnover.
Speak to a NatWest business advisor for a tailored solution.

Would you like a more detailed breakdown of NatWest’s fees or a comparison with another provider? Let us know how we can help!