Whether you're interested in the smaller business community, are planning to start a business or have an existing business, we have a package for you.
Our most popular package is FSB Business Essentials which includes a whole range of benefits and products designed to make your business fly
A suite of legal benefits including a dedicated helpline, bundled insurance products and a range of online information to keep your business safe. Plus a whole range of negotiated benefits to help save you money and win business.
Our Business Creation package is designed to make starting a business simpler, allowing you time to focus on what's important - making it a success.
Specialist company formation benefits, access to FSB networking, business banking and a range of products to help get you setup in business.
Whatever your circumstances, we have a package to suit you and your business. Click the button below to see which benefits are included in each package and start your FSB journey.
'I just felt wow, I want to be part of this organisation so I joined.'
'Having someone there like the FSB who you can just call on for those other things you’re not quite sure on, it’s been invaluable.'
'What you can save by taking up some of the membership offers will save you your membership fee.'
We represent a diverse range of businesses from retailers to marketing agencies and just about everything in between. Take a look at more member stories and see how we could help your business fly.
More Member Stories
We offer three packages to suit your business needs. Joining FSB Connect is free, our Business Essentials package starts at £177 in the first year and our specialist Business Creation package has a fixed price of £133.
Card payments are vital for most businesses, thanks to the simplicity of payment that it provides to customers. Making sure that you’re ready to provide for the payment methods that modern customers are looking for is crucial.
That said, there are some costs associated with providing card payments. To help clear up the situation, we’ve put together this guide on how much it’ll cost to provide card payments in your business.
The first costs you will have to pay for if you’d like to provide card payments are for the payment terminals themselves. Depending on your business needs, you can either rent a card machine for a monthly payment of around £15-25 a month, or pay a little more up front to purchase a card machine outright.
This option could cost anywhere from £40 to £300+ depending on the model of terminal you’re looking for. However, over time, the higher initial cost will lead to long-term savings over monthly rental, so it pays to plan ahead.
You should also be aware that some providers will charge a one-off set up fee for your payment account. It probably won’t affect your outgoings too much, but if you’re a new business on a tight budget, it’s certainly something to keep in mind.
There are other costs associated with taking cards payments on top of the set-up and rental fees.
When you take a payment by card, your merchant account provider will take either a percentage or a fixed fee per transaction. The exact percentage and fee taken will vary by provider. The upper limit of this cost will be around 5% per transaction, depending on which model you prefer.
It may appear that taking a payment by card is, then, detrimental to your business because you end up with less of the sale value going directly into your business. However, research by the UK Cards Association found that, in 2016, 76% of all retail sales were paid by card and the average value of each transaction was £43. This data heavily suggests that the costs associated with card payments are still well worth it, due to the added value and increased business it can bring to your company.
Even though there are costs associated with card payments, the amount you are charged can be lowered if your business takes a large number of transactions monthly. Many providers will negotiate with you to find a mutually agreed percentage or fee if you can demonstrate a consistent amount of transactions.
Providers will usually ask for over 1000 monthly card payments before they will open discussions for bulk transaction discounts. Even if you don’t currently take enough card transactions, it’s worth being aware that the option of lower fees will be there once your business crosses that threshold, helping to reduce fees and increase your overall income.
Provided by Worldpay, the UK’s leading payments provider, FSB Payments can help you wherever you’re doing business – face-to-face, online, over the phone or by email.