Payments
We tailor a solution to your requirements and help optimise your processing costs, ensuring more of your revenue stays where it belongs - in your business.
Card Payments
Navigating the merchant services market in the UK can be complex. Choosing a specialised broker or independent payment advisor that partners with multiple acquiring banks offers a clear strategic advantage over approaching a single bank directly.
What Does an Independent Card Machine Business Do?
At Alliance Connectivity we evaluate a business's operational needs—including sales volume, average transaction value, sector risk, and preferred hardware—and matches them with the right payment acquiring bank. Rather than locking a business into a standard “one-size-fits-all” contract, Alliance Connectivity leverages its network of acquiring partners to negotiate tailored transaction rates, hardware terms, and settlement schedules.
Countertop, Portable and Mobile Card Devices
Secure in-person payments at fixed locations, around your premises or on the move.
Virtual Terminals
Take secure payments over the phone without dedicated hardware.
Payment Links & QR
Send customers a secure link or display a QR code for fast payment.
E-commerce
Integrated online checkout and shopping cart payment solutions.
POS
Connect sales, stock management and payments through one system.
Xero Invoicing
Enable card payments directly from eligible Xero invoices.
5 Key Benefits of using an Independent Broker with a relationship with 14 Banks vs. Direct to 1 Bank
Higher Approval Rates Across All Risk Levels
A single acquiring bank operates strictly within its own risk appetite. If a business operates in a higher-risk industry (e.g., travel, ticketing, adult, crypto, or businesses with high chargeback potential or long delivery lead times), a traditional bank will often decline the application or impose heavy rolling reserves.
Advantage of Alliance Connectivity:Having access to a range of acquirers from low-risk to high-risk specialist banks ensures an application can be routed to a lender specifically tailored to accept that precise business profile.
Tailored, Competitive Pricing
Single banks rarely offer competitive custom pricing unless a merchant is processing massive card volumes. They generally default to fixed tiering or higher standard transaction percentages.
Advantage of Alliance Connectivity:We can leverage competition between 14 different acquirers to tender out a business's processing volume. This yields substantially lower interchange fees, authorisation rates, and terminal rental costs.
Protection Against Account Termination & De-risking
If a business relies on a single bank and that bank updates its risk policies, it can freeze funds or terminate the merchant account on short notice.
Advantage of Alliance Connectivity:Working with us provides a safety net. If one bank changes its policy or revokes a merchant account, the broker can quickly migrate the business to another acquirer in their network with minimal downtime or loss of revenue.
Unbiased Hardware & Terminal Options
Going directly to a single bank restricts options to that bank’s proprietary hardware, which may be outdated or lack specific EPOS integrations.
Advantage of Alliance Connectivity:We select hardware based on what best suits the workflow—whether that's modern Android-based smart terminals (e.g., PAX, Castles, Ingenico), portable mobile devices, or countertop units—and pair it with the optimal back-end acquirer.
Ongoing Dedicated Support & Advocacy
When dealing directly with a major bank, small to mid-sized businesses often face long support queues and automated call centres.
Advantage of Alliance Connectivity:We act as dedicated account managers. We advocate on behalf of your business directly with the bank's underwriting and risk teams, handling everything from PCI compliance assistance to fee audits and terminal replacements.
Direct Debit Solutions
Collect Regular, Recurring or One-Off Payments
Once your customer has authorised your organisation to collect payments by Direct Debit, you can collect regular payments, recurring payments or one-off payments whenever they are due. This gives you significantly greater control over your customer payment collections.
Why Choose Our Direct Debit Infrastructure?
Built for high availability, compliance, and enterprise growth with 30 years of specialist payment experience.
Easy & Reliable Systems
Our direct debit partner's bespoke system consistently maintains 99.99% uptime, so you're always able to access your portal. With MFA, 24/7 monitoring and AWS-grade security.
Trusted and Secure
Our direct debit partners are UK based, officially Bacs accredited and bank sponsored, guaranteeing institutional-grade compliance and funds security.
30 Years of Specialist Expertise
Our direct debit partners bring 30 years of direct debit collection experience, helping businesses streamline recurring billing with proven mastery.
Fair & Transparent Pricing
No unexpected price hikes and no hidden fees. We'll automatically adjust your fee tiers as you grow so you never overpay.
Simple & Convenient Collections
Through our partnerships, we efficiently help you manage and facilitate Direct Debit transactions between your customers and your business via trusted rails.
SUN & Bacs Bureau Integration
If your organisation has its own SUN, our partner acts on your behalf as an authorised Bacs bureau with enterprise software, flexible APIs, and dual customer support.
The Direct Debit Process
There are four structured stages to the automated Direct Debit collection lifecycle.
Collection & Forwarding
File Extraction & Bacs Submission
As the first step in automated Direct Debit processing, a collection file is produced either by extracting data from your main database or by the user. The file is forwarded to Bacs via Bacstel-IP, an approved Bacs bureau, or compatible online business banking.
Clearing & Processing
Automated Bank Routing
Once Bacs receives the Direct Debit collection file from the originating organisation, it forwards the payment request directly to the payer's bank based on sort code routing.
Transaction & Settlement
Same-Day Credit & ARUDD Reports
If the paying account has sufficient funds, the money is debited and credited to your account on the same day. For any unpaid items, an ARUDD report with reason codes is returned within 3 working days.
Indemnity Claims & Protection
<0.05% Claim Rate & Retention Care
Indemnity claim rates are under 0.05%. Our partners provide expert guidance through Direct Debit Guarantee claims, mitigating miscommunications and protecting customer retention.
Switching From an Existing Direct Debit Supplier?
Switching to us and our partners is simpler than you think. Most businesses are up and running in under a month from the switch request. Your customers don't need to do a thing—our partner's bulk change automatically moves your payer records with dedicated account manager support.
No Disruption to Schedules
Collections with your current provider will continue seamlessly until the move has been fully confirmed.
Zero Customer Action Required
Your customers don't need to do a thing. Automated bulk change moves them without signing new Direct Debit instructions.
We Handle Data Preparation
Provide your existing DD data and we'll guide you through extraction, preparation, and frictionless import.
Go-Live in 4–6 Weeks
Step-by-step onboarding with a dedicated account manager from our partner to get you up and running smoothly.
Start accepting payments via Alliance Connectivity
For more details pick up the phone and speak to our team today on 01925 500818 or email enquiries@allianceconnectivity.co.uk.