# Card payments, now simpler and more secure *Source: https://credicorp.co.uk/card-payments-now-simpler-and-more-secure/* We have integrated a specialist payment processor to handle card payments, so paying us by debit or credit card is now simpler and, importantly, more secure. The key change for you is where your card details go: they are handled directly by a regulated payments provider built for this, and they are never stored on our systems. This article explains how the new card payments work, what the processor does, and how it sits alongside your usual repayment method. ## How card payments work now When you make a one-off card payment, you are passed to a secure payment page operated by our payments partner. You enter your card details there, the partner processes the transaction, and we receive confirmation that the payment succeeded. We see that your payment cleared and for how much; we do not see or keep your full card number. You can make a payment through the route set out on [our make a payment page](/make-a-payment/), which now uses this processor. This is the standard, sensible way for any business to take card payments. By using a provider whose entire job is secure card processing, the sensitive part of the transaction is handled by specialists with the right certifications, rather than by us holding card data we have no need to keep. ## What the processor does, and what we do The division of responsibility is deliberate. The processor captures and secures your card details, runs the transaction through the card networks, and applies the security checks that protect cardholders, such as the bank’s own verification step. We tell you what is owed and confirm when a payment has landed against your account. Keeping card handling with the processor reduces the places your card data exists, which is good for your security and ours. ## Why this is more secure for you - **We do not store your card.** Because card details are captured by the processor’s secure page, there is no full card number sitting on our systems to protect or to lose. - **Bank-level verification.** Card payments run through the verification steps your bank applies, which helps confirm it is really you and reduces fraudulent use. - **Specialist infrastructure.** A dedicated payments provider maintains the security standards that card processing requires as its core business. If you ever receive a message claiming to be from us that asks you to pay a card “fee” upfront to release a loan, or to send card details by email or text, treat it as a scam and do not respond. Genuine card payments happen through our secure make-a-payment route, never by you reading your card number to someone. ## Card payments and your normal repayments Most repayments on a short-term Business Bridging Loan are collected on the schedule shown on your **Key Information Sheet (KIS)**, typically by Direct Debit so you do not have to remember each date. A card payment is useful for one-off situations: making an additional payment, paying off early, or settling an amount when you choose to do so manually. It complements your regular schedule rather than replacing it. If you want to understand the figures behind any payment, the amount, term, total cost of credit and full repayment schedule are all on your KIS and in your **Business Loan Agreement**. ## What this does not change This is an improvement to how you pay, not a change to what you owe or what borrowing costs. We do not add a charge for the convenience of paying, and we do not quote prices here; your figures live on your KIS, and current amounts, terms and costs are on our business loans page. The integration is about security and simplicity at the moment of payment. It also does not change the regulatory picture. We lend to companies for business purposes, so this borrowing sits outside FCA consumer-credit regulation under **Article 60B FSMA RAO 2001** and is not covered by the Financial Ombudsman Service or the FSCS. Your card transaction itself runs through the normal card-payment protections that apply to card use generally. ## The honest summary Taking card payments through a dedicated processor is the right way to do it: your details are handled by specialists, nothing sensitive is stored by us, and the transaction carries bank-level checks. If you need to make a one-off payment, you can do so securely through [our make a payment page](/make-a-payment/). And if money is tight and a payment is going to be hard, please tell us before the date rather than reaching for a card you cannot really afford; we would always rather talk it through. --- Credicorp Limited — UK lender to limited companies (Company No. 16093826). credicorp.co.uk