Send us your business name and monthly card turnover. We will break down what you currently pay, compare it against live rates from UK providers like Worldpay, Barclaycard and Dojo, and send you a side-by-side comparison within one working day. It costs nothing and you are not committed to anything.
UK interchange is capped at 0.2% on debit and 0.3% on credit. If your provider’s headline rate is above 1.5%, the gap between regulation and what you pay is where your savings sit.
We compare rates from 10+ UK providers, not one
You see the numbers before you decide anything
We earn a fee from the provider if you switch, never from you
Takes under two minutes. We reply with your comparison the same working day. No spam, no follow-up calls unless you ask for one.
We hold current rate cards from Worldpay, Barclaycard, SumUp, Square, Zettle, Dojo, Takepayments, Teya, myPOS and Global Payments. Your comparison is built from live pricing, not published estimates.
Your business name and roughly how much you take on cards each month. That is all we need to start.
Interchange, scheme fees, provider markup, terminal costs. We separate the charges your provider bundles into one line on your statement.
Your actual card mix and turnover, not a hypothetical average, matched against current UK provider rates.
A clear document showing what you pay now, what you would pay with each alternative, and the difference in pounds per month. No jargon, no sales pitch.
Your monthly card processing bill is not one fee. It is four separate charges bundled into a single line. Three of them are set by regulators or card networks. The fourth, your provider’s markup, is the one nobody shows you clearly, and the one where the margin sits.
Interchange: 0.2% (debit) / 0.3% (credit)
Capped by UK law since 2015. Paid to the bank that issued your customer's card. This part is the same regardless of which provider you use.
Scheme fees: set by Visa and Mastercard
Not capped, not negotiable, and rising. The PSR found in 2024 that these fees increased substantially over five years for reasons unrelated to transaction volume.
Provider markup: the negotiable part
This is your provider's own cut. On a blended 1.75% rate, roughly 1.2% to 1.3% of that is markup sitting above the regulated costs. This is the number we compare.
Terminal and service charges: £6 to £40/month
PCI compliance fees, terminal rental, minimum monthly charges. Small individually, but a £20/month terminal rental is £240 a year before you process a single payment.
Current typical fees: £220/month. After comparison: £150 to £180/month. That is £40 to £70 back in the business every month, or £480 to £840 a year.
Current typical fees: £135/month. After comparison: £90 to £110/month. Saving: £25 to £45/month, £300 to £540 a year.
Current typical fees: £80/month. After comparison: £55 to £65/month. Saving: £15 to £25/month, £180 to £300 a year.
These are not best-case scenarios. They are the mid-range of what we see when a business on a standard blended rate moves to a provider whose pricing better fits their card mix.
It is free. There is no invoice, no subscription, no trial that converts to paid. The comparison itself costs you nothing. If you choose to switch providers based on the results, the new provider pays us a referral fee. You never pay us anything, and it has no effect on the rates you are offered.
No. We do not contact your current provider, and nothing changes on your account. The comparison is between us and you. Your existing setup stays exactly as it is unless you decide to act on the results.
Then you know for certain. Roughly one in four businesses we compare are already on competitive rates. We tell them that directly and they stay where they are, with proof their deal is fair.
No. The comparison is information, not a commitment. About half the businesses who receive a comparison act on it within a month. The other half keep it as a reference for when their current contract comes up for renewal.
Fill in the form, we do the rest. You will have a side-by-side fee comparison in your inbox within one working day. If the numbers work, you switch. If they do not, you have lost nothing except two minutes.
