Silver Lines gives growing businesses one place to accept cards at the counter, online and over the phone — on processing infrastructure built to hold the line, with a team that knows your account by name.
Tell us who you are and how to reach you. We set up your account on the spot and come back with a straight, no-bluff comparison — usually within one business day.
One merchant account, one gateway, one statement — whether the sale happens at a counter, in a checkout, over the phone or on a repeating schedule.
Accept Visa, Mastercard, American Express and Discover on a single account, with the same pricing logic applied to card-present and card-not-present sales. No surprise line items at month end.
A hosted checkout and tokenised card vault that keep raw card data off your servers, with drop-in fields for the platform you already run and a clean set of REST endpoints for anything custom.
Explore SolutionMove recurring invoices and larger B2B payments onto bank debit, where the cost per transaction stops climbing with the size of the ticket.
Explore SolutionTake a card over the phone from any browser. Keyed entry, saved customer records and emailed receipts, with no extra hardware to buy.
Explore SolutionCard-on-file plans with automatic account updater and retry logic, so an expired card does not quietly become a cancelled customer.
Explore SolutionCountertop terminals, handheld readers and full POS systems that report into the same dashboard as your online sales — so the end-of-day numbers reconcile without a spreadsheet.
Explore SolutionA restaurant closing out tabs and a clinic collecting patient balances need very different things from the same card. We set the account up around how you actually take payment — not how a template says you should.
Checkout that keeps customers moving: hosted fields, saved cards for repeat buyers, and risk rules tuned to your average order value and shipping profile. It connects to the platform you already run, so you are not rebuilding a store to change processor.
Talk about your storeCountertop and mobile terminals, contactless acceptance, and end-of-day reporting that reconciles across locations.
Tip adjustment, open tabs, split cheques and next-day funding to keep daily cash flow predictable.
Card-on-file for outstanding balances, structured payment plans and clear, itemised receipts for patients.
Payment links on invoices, ACH for larger retainers and recurring billing for ongoing engagements.
Higher-ticket authorisations, deposits on ordered parts and service-department payments taken at the counter.
Deposits, incremental authorisations and folio settlement that works with your property management system.
Recurring giving, tuition instalment plans and low-friction donation pages that do not lose people at the last step.
Most processors sell you an account and ride off. We are judged on whether that account still makes sense to you in year three — which is why the pricing is legible, the contract is short, and the hand who boarded you is the hand who answers the phone.
A named account manager and a support line answered by our own team. No ticket queue, no reading from a script.
Redundant processing infrastructure with monitored failover, so a single point of failure never becomes your outage.
Interchange-plus pricing, itemised statements and no early termination fee. You can see what every transaction costs.
Encryption in transit and at rest, tokenised card storage and layered fraud screening tuned to your transaction patterns.
REST APIs, signed webhooks and ready-made plugins for the major carts — plus engineers who will join the call when needed.
We have configured processing for retail floors, clinics, workshops and online stores. The setup reflects how you operate.
Approved at the counter, settled by morning
Four things happen every time a customer pays you. We handle all four, and hand you a clean record of each one.
They tap, swipe, key in a card or complete an online checkout. Card details are encrypted the moment they are captured.
The gateway tokenises the card, runs your fraud rules and routes the request to the right network without holding card data on your systems.
The card network passes the request to the issuing bank, which approves or declines it and returns a response you can act on immediately.
The day’s approved transactions are batched and deposited to your business account, with a statement showing exactly what was deducted and why.
The gateway, the risk engine, the reporting and the settlement file are parts of one rig rather than four outfits stitched together. That is why a question about a single transaction has one answer, not three.
Taps, swipes or checks out online
Captures the card and returns a token
Risk screening, routing and authorisation
Approves or declines, then funds the batch
Deposit lands with a reconciled statement
We would rather post figures we can stand behind than numbers that only look good on a slide.
If yours is not here, ask it. We would rather answer it now than have you find out in month three.
The support line is answered by our own team — no queue, no script, no being handed around.
Write to the officeContact usMost applications are underwritten in one to three business days once we have your business registration, ownership details and a recent processing statement. Newer businesses without processing history can take longer — if yours is one of them, we will say so at the start rather than at the end.
No. There is no multi-year term and no early termination fee. If the account stops making sense for you, you can leave — though we would rather you told us why first, because it is usually something we can fix.
Two numbers on every transaction: the interchange fee the card network sets, and our margin on top of it. Nothing is folded into a single blended rate, so when a customer pays with a premium rewards card you can see exactly what that card cost you.
Usually, yes. The major carts connect through ready-made plugins and most mainstream terminals through direct integrations. Send us the make and model of what you have and we will confirm it in writing before you sign anything.
Standard settlement is the next business day for batches closed before the daily cut-off; weekend and holiday batches land on the next banking day. Your statement shows the batch, the deposit and the deduction side by side, so the two always reconcile.
Card details are encrypted the moment they are captured and replaced with a token, so raw card numbers never sit on your systems. Cardholder data is handled in line with PCI DSS requirements, and we will confirm the current scope of our attestation on request.
Tell us why. A decline is often about how the paperwork was filled in or how the business was described, not the business itself. We work with more than one sponsoring bank — and if we genuinely cannot place you, we will tell you that instead of stringing you along.
Send us a recent statement and we will show you, line by line, what you are paying for today and what it would look like with us. No obligation, and a straight answer either way — that is the whole deal.
No obligation · No contract to sign
