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A free review of what you're really paying.
One statement is all it takes. We work out your true effective rate, name every fee on the bill and tell you honestly whether it can be beaten.
How it works
Four steps, and you can stop at any of them.
Send a statement
One recent merchant statement, by email or photo. It carries your turnover, card mix and every fee being charged.
We break it down
Every line named and totalled, and your real effective rate calculated. You get this whether or not you go further.
We go to market
We approach providers with your actual numbers and bring back like-for-like offers, not headline teasers.
You decide
Switch, renegotiate where you are, or do nothing. If your current deal wins, we will tell you that.
What we look at
Every line on the bill.
Providers rarely hide these charges — they are printed on the statement. They just are not part of the conversation when the rate is quoted, and most merchants have never had them explained.
Turnaround is usually a day or two.
- 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.
Send the statement, get the breakdown.
No charge, no obligation, and no tie-in if you would rather stay where you are.