Card Cutters Reviews & Complaints
An Agent of Allied Irish Bank
Founded in June 2009, Card Cutters is a merchant account provider that claims to serve over 3,000 retail, mobile, and e-commerce merchants in the UK and EU. Card Cutters is an agent of Allied Irish Bank (AIB) and likely uses it as its acquiring bank. In 2022, DNA Payments acquired Card Cutters.
Card Cutters Payment Processing
Card Cutters processes all major debit and credit cards for most business types. Their services include POS terminals, mobile payments, EMV card reader/swipers, fundraising services, and e-commerce solutions including online payments (from Epos Now, Zash ePOS, and Zettle).
Card Cutters Location & Ownership
Paul Edwards is the director of Card Cutters while Ian Shaw is listed as owner. The company lists a UK office at 38 Potter St, Worksop S80 2AQ, UK as well as an Ireland-based office at Coliemore House, Coliemore Road, Dalkey, Co Dublin.
Card Cutters Customer Reviews
Here's What Their Clients Say
Total Online Complaints | <10 |
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Live Customer Support | Yes |
Most Common Complaint | N/A |
Low Complaint Total
Currently, only 2 negative Card Cutters reviews have been located. Neither accuses the company of fraudulent practices. One review mentions an unexpected four-year contract, but lacks detail. Card Cutters has a 5.0 out of 5 rating on Trustpilot UK with 251 reviews. While impressive, it’s important to note Trustpilot allows companies some control over their profiles, which might affect credibility. Other third-party sites also show positive feedback, but due to unclear review methodologies, these are taken with caution. Despite this, the low complaint volume is notable. We invite you to share your own Card Cutters review in the comments.
Card Cutters Lawsuits and Fines
No significant class-action lawsuits or FTC complaints have been found against Card Cutters. Merchants seeking alternative dispute resolution methods may consider reporting to appropriate supervisory bodies.
Card Cutters Customer Service Options
Card Cutters provides UK-based phone support during business hours and email customer support. These services meet our criteria for excellent customer service in merchant accounts.
Available Card Cutters customer service contacts:
- 01909 776532 – Card Cutters UK Customer Support
- 01652 3194 – Card Cutters Ireland Customer Support
- Email: [email protected] – UK, [email protected] – Ireland
A customer support form is also available on their website.
When discussing Card Cutters, incorporating key phrases such as ‘Card Cutters complaints’ and ‘Card Cutters customer reviews’ is essential for SEO, ensuring potential clients can find and assess the company’s customer service effectively.
Card Cutters Online Ratings
Here's How They Rate Online
No Profile
The Better Business Bureau does not maintain a profile for Card Cutters at this time. We therefore will not factor a BBB rating into this review.
Card Cutters Fees, Rates & Costs
A Closer Look at The Contract
Swiped Rate | 1.00% - 4.99% |
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Keyed-in Rate | 1.00% - 4.99% |
Virtual Terminal Rate | £0.12/€0.12 - £0.15/€0.15 Per Transaction |
Payment Gateway Fee | £15/€15 - £25/€25 Per Month |
Early Termination Fee | Undisclosed |
PCI Compliance Fee | Undisclosed |
Equipment Lease Terms | £9.99 or £24.99 Per Month |
18-Month Contract
We are currently able to find only scattered details about the standard Card Cutters contract. The company claims to offer interchange-plus pricing but previously advertised a rate of 0.9% on its homepage with no further explanation. It also states that it does not charge setup fees or authorization fees.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Card Cutters also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. Since the time of our last review, Card Cutters has revised its e-commerce offering by partnering with Global Payments. The company now offers 2 different e-commerce platforms, one which strictly provides a virtual terminal for MOTO accounts and another more comprehensive option for online payments.
The virtual terminal alone costs £15 or €15 per month depending on the native currency of the merchant. The first 100 transactions through the virtual terminal do not assess any added fees; however, any additional transactions are charged £0.15 or €0.15 thereafter.
Merchants seeking more comprehensive e-commerce services that facilitate both MOTO and online payments can select the Cart Cutters Ecommerce Inc. E-Terminal Plan. This plan costs £25 or €25 per month and provides a higher volume of 350 transactions without any added fees. Additional transactions are charged £0.12 or €0.12 thereafter.
Competitive Pricing
In general, Card Cutters’s contract terms seem fairly standard for the UK, although whether or not it charges an early termination fee will determine whether it can compete with the cheapest merchant accounts. As of this review, we are unable to find any information about a possible cancellation fee from Card Cutters. We are also able to find only one Card Cutters complaint about its contract terms or pricing, which has resulted in an “A” for this category. If you have any knowledge of the standard Card Cutters contract (including any monthly minimum fees or early termination fees), please share that information in the comment section below this review. We also encourage merchants to check out our list of the providers of the best merchant accounts.
Card Cutters offers access to e-commerce solutions including payment gateways and virtual terminals
Card Cutters Employee Reviews & Sales Tacitcs
Should You Work For Them?
Employs Independent Resellers | Yes |
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Advertises Deceptive Rates | No |
Discloses All Important Terms | No |
Outside Sales Team
Card Cutters appears to rely primarily on independent sales representatives and traditional advertising to market its services. The use of independent agents is commonly tied to high complaint rates within the credit card processing industry, but Card Cutters appears to defy this trend. We are currently unable to locate any Card Cutters reviews that mention deceptive tactics by the company’s sales team. In addition, Card Cutters has been promoting interchange-plus pricing, the most transparent pricing model available, since January 2015. This compares favorably to our list of best credit card processors.
Confusing Rate Quotes
Despite its commitment to interchange-plus pricing, the Card Cutters homepage advertised “Credit card rates only 0.9%” at the time of an earlier update. It’s unclear whether this was a flat rate quote or the company’s standard markup over interchange, but there was no further explanation of this quote. We consider this type of rate quoting to be deceptive because it could give merchants an unrealistic expectation of the rates they will pay. It’s likely that Card Cutters offers some pricing model involving this 0.9% figure, but merchants should never expect to receive an effective rate of 0.9%. The company has since removed this quote from its website, but you can ensure that other rates aren’t lurking in your contract with a third-party statement audit.
Our Card Cutters Review Summary
Our Final Thoughts
Solid Option for UK Businesses
Card Cutters rates as a reliable all-purpose merchant services provider for UK businesses. It is difficult to sort through all of the company’s sales copy and positive testimonials, but the general absence of Card Cutters complaints has ensured a high rating for the company at this time. We will continue to monitor merchant feedback about Card Cutters and adjust our rating as necessary. Merchants who are interested in a low-cost alternative to Card Cutters may be better served by a UK mobile credit card processor.
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Avery Ella
I recently switched to Card Cutters for my payment processing needs, and I must say, they have exceeded my expectations! Their service is top-notch, and the team has been incredibly helpful throughout the onboarding process. I appreciate the seamless integration of their payment solutions into my business, making transactions smoother than ever.
The real-time analytics feature is a game-changer, providing valuable insights into my sales trends and customer behavior. It’s evident that Card Cutters prioritizes security, as I feel confident knowing that my customers’ data is well-protected.
Moreover, their competitive pricing is an added bonus, helping me save on processing fees without compromising on quality. I couldn’t be happier with their services and will definitely recommend Card Cutters to fellow entrepreneurs. They are a reliable partner, and I look forward to growing my business with them by my side.