Outbound telemarketing merchant accounts UK

Card-not-present telephone-order transactions carry the highest fraud and chargeback exposure of any acceptance channel. "I did not authorise this" disputes dominate the category. Card networks scrutinise scripting and consent capture.

Legal status (UK)

Legal in UK subject to the Privacy and Electronic Communications Regulations 2003 (PECR), TPS / CTPS suppression rules and the Consumer Protection from Unfair Trading Regulations 2008.

Acquirers accepting

  • Specialist MOTO acquirers
  • Trust Payments (selectively)
  • Acquirers with telesales-vertical programmes

Typical pricing

Rate
2.5% to 4.5% blended
Settlement reserve
5% to 10% rolling reserve common

Watch outs

  • TPS / CTPS suppression must be in place before dialler activity.
  • Recorded-call consent capture expected at acquirer onboarding.
  • Dispute-rate monitoring is aggressive; sustained breach can trigger account termination.
  • Vulnerable-customer scripting policy required.

Last reviewed: 2026-05-18.