Card processing is one of the biggest line items most businesses have never renegotiated.
We read the statement properly, find what you are actually being charged, and cut it.
Merchant statements are designed to be hard to read.
These are the charges a proper review picks apart.
The wholesale part set by the card schemes and banks. We check you are on the right pricing model, not blended rates that hide the margin.
Transactions bumped to a higher rate for avoidable reasons. We find them and get you off the expensive tiers.
Small per-transaction and compliance charges that add up fast. We check every one is fair and actually necessary.
Long, auto-renewing terminal rentals are a common trap. We check what you are paying and whether it can be cut.
Monthly minimums and service fees that quietly erode your margin whether you trade or not.
How quickly you get paid and who actually answers when something goes wrong. We factor both into any recommendation.
How it works
You send a recent statement. We do the rest.
One recent merchant statement is enough to start, and it costs you nothing.
We break down every rate and fee and work out what you are really paying.
A clear picture of what is fair and what is not, in plain English.
We renegotiate with your provider, or move you to a better one. Keeping your terminals where we can.
Not necessarily. Often the quickest win is renegotiating your existing deal.
If a move genuinely saves you more, we will show you the numbers and handle it for you, keeping your terminals where possible.
No. Reading your statement and showing you what you are overpaying is free and without obligation.
It is the wholesale fee set by the card schemes and banks that every processor has to pay.
It is fixed, so the part worth challenging is the margin your provider adds on top, which is often where the money is.
No. Better pricing does not change how your customers pay.
If a terminal swap is involved, we plan it around you so there is no disruption at the till.
Many merchant contracts have notice periods or hardware rentals that run separately.
We check the small print before recommending anything, so there are no surprises.
We are paid by the provider, disclosed to you clearly before you agree to anything.
The review itself costs you nothing.
Tell us a little about your business and we will review your card processing costs.
No cost, no obligation.
Prefer to chat? WhatsApp us on 07453 382 398