Psychic services and tarot reading merchant accounts UK

Card networks treat the category as high-chargeback on "service did not deliver promised outcome" disputes. Subscription-billing models compound the dispute exposure. Mainstream acquirers decline categorically.

Legal status (UK)

Legal in UK subject to the Consumer Protection from Unfair Trading Regulations 2008. Services must be presented on an entertainment basis; specific outcome guarantees risk engaging unfair-commercial-practice rules.

Acquirers accepting

  • Specialist psychic and lifestyle acquirers
  • Trust Payments (selectively)
  • Selected ISOs

Typical pricing

Rate
4.0% to 6.5% blended
Settlement reserve
10% to 20% rolling reserve standard

Watch outs

  • Entertainment-basis disclaimer required on consumer-facing copy and at checkout.
  • Outcome-guarantee language must be avoided to stay outside unfair-commercial-practice rules.
  • Subscription cancellation flow scrutinised heavily.
  • Vulnerable-customer policy expected at acquirer onboarding.

Last reviewed: 2026-05-18.