Simplify your payments with cardpayhub.
Expert independent merchant services brokering for UK businesses. We read the statement, compare the market and negotiate the rate, so you can get back to the counter.
Why cardpayhub
Independent, so the advice is actually yours.
We aren't owned by an acquirer and we don't sell one provider's kit. We look at how your business genuinely takes money, then find the arrangement that suits it.
Unbiased advice
No single provider pays for our loyalty. We compare the market and tell you plainly when your current deal is already a good one.
Best rate negotiation
We read your existing statements line by line, find the charges you were never told about, and negotiate on your behalf.
Seamless integration
A mobile card terminal, plus online checkouts and payment links. Set up and tested so you don't lose a trading day.
Ongoing support
You get a named person on a mobile, not a ticket number. If the terminal goes down on a Saturday, you ring the man who installed it.
The terminal
The one we recommend, and why.
We highly recommend a mobile terminal. It runs on a SIM over the strongest available mobile network, with the option to connect to your broadband as well. You can use it on the go or anywhere in your business, and it connects to your till system if you need it to.
Mobile terminal
Runs on a SIM over the strongest available network, with broadband as an option. Takes payment at the till, across the room, or out on a job, and talks to your till system if you need it to.
Other terminals are available, such as a countertop, if you would prefer one.
The brokerage
What's actually on your statement.
Most merchants are quoted one headline rate and charged six other things. A review starts by naming every line, so you can see what you're really paying to take a card.
Send over a recent statement and we'll go through it with you — no charge, no obligation, and no tie-in if you'd rather stay where you are.
Most reviews take a day or two to turn around.
- Merchant service chargeThe headlineCharged per transaction as a percentage. Often quoted for debit only, while credit and commercial cards sit far higher.
- Authorisation feePer txnA few pence on every single sale, approved or not. On low average baskets this can outweigh the percentage rate entirely.
- PCI DSS chargeAvoidableA monthly compliance fee, plus a non-compliance penalty if the annual questionnaire was never completed. Both are fixable.
- Minimum monthly service chargeQuiet monthsTops your bill up to a floor. It bites hardest exactly when trade is slow.
- Terminal rentalCheck the termUsually a separate lease from the card processing, frequently on a longer contract with its own notice period.
- Chargeback feePer disputeLevied whether or not the dispute is ultimately found in your favour.
Who we work with
Built for the independent high street.
Cafes, salons, barbers, studios, gyms and shops — businesses where the person choosing the card machine is also the person running the till.
Find out what you're really paying.
Send a recent statement and we'll go through it line by line. No charge, no obligation.