“As a small business operating in a competitive market, one of our priorities is to ensure that all of our on-costs are kept as low as possible. We had initially resisted the idea of accepting Debit/Credit card payments due to the “additional charges” involved that we felt were perhaps unnecessary as the majority of our clients are organisations as opposed to individuals. However, over the past 12 months we have had a huge increase in the amount of individuals wanting to book onto courses, and it became apparent we needed to support them with the use of Card Processing facilities through a virtual terminal.I came across Card-Cutters, and spoke to a business consultant. She knew her stuff, requested all the right documents, which we were more than happy to provide, and she personally took charge of our application and spoke directly to the Merchant Account managers at AIB. We were given initial approval based on the information we had provided, and once we had completed the application forms, it all went through smoothly and we gained full approval with no problems at all. The card processing rates are considerably better than Streamline, and we use the Ogone Virtual Terminal facility which is easy to use, we can log into it anywhere in the World, and it produces easy to reports.I am now very pleased we came across Card Cutters and would recommend Card Cutters to any small business wanting to take card payments in this way “