PB (Pitney Bowes) Payment Solutions is a card machine merchant based in Hertfordshire. Through tis partnerships, it offers static, wireless or mobile terminals, a virtual terminal using any web-based device, and e-commerce terminal. Merchant Solutions are provided by FDR Limited, which trades as First Data Merchant Solutions, as an independent sales agent for Bank of Scotland. Therefore, merchants’ contracts for merchant solutions are with Bank of Scotland. Delaware-based payment processor, First Data provides merchant services, including its Clover point-of-sale smart terminal platform, to the lender's business customers in the UK. Also, it provides its payments acceptance gateway and it global multi-currency processing platform. Pitney Bowes primarily deals with selling the equipment, while First Data creates and delivers physical card readers and virtual terminals to customers. Once customers process £10,000 worth of sales through their terminals, they are offered a 5 percent discount across Pitney Bowes' portfolio of products. As sales increase, so will discounts across franking equipment and office supplies from the Pitney Bowes.