How do merchant services and card acceptance work?

Ways to accept payment

• In person — card terminals supporting chip and PIN, contactless and mobile wallets.
• Online — a hosted checkout or gateway integration for your website.
• Payment links and invoices — send a secure link by email or message and get paid without any integration work.
• Recurring billing — for subscriptions and instalment plans.

Settlement

Takings settle into your nominated Optimal MetroHub Bank business account on the agreed cycle, most commonly the next working day. Each settlement is shown with the underlying transactions and fees so it reconciles cleanly.

Getting set up

1. Apply through the merchant services page or from inside online banking.
2. We review the business activity, expected volumes and average transaction value.
3. On approval, terminals are shipped and gateway credentials issued.
4. Test in the sandbox, then switch to live.

Pricing depends on card mix, volume and channel. Ask for a written quotation before you commit.