Compare & Save

Transparent, line-item quotes. We show you the maths so you can see exactly where you're saving — or not.

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What we compare

Every fee that affects your bottom line

Card-present MSC

The main rate you pay for in-store transactions

Card-not-present MSC

Rates for online and keyed transactions

Authorisation fees

Per-transaction fees charged by acquirers

PCI compliance fees

Monthly or annual security compliance charges

Chargeback fees

Costs when customers dispute transactions

Premium card uplift

Extra charges for Amex, corporate cards, etc.

Cross-border fees

Additional fees for international cards

Minimum monthly charge

The floor you pay regardless of volume

Gateway fees

For online payment processing

Terminal rental

Hardware costs and lease terms

Pricing models explained

Understanding how you're charged

Interchange Plus

You pay the actual card scheme fee plus a fixed markup. Most transparent option.

Advantages

  • Full visibility of costs
  • Lower overall rates for most
  • Fair for all card types

Considerations

  • More complex statements
  • Rates vary by card type

Blended Rates

Single percentage for all transactions. Simple but often more expensive.

Advantages

  • Easy to understand
  • Predictable costs
  • Simple statements

Considerations

  • Usually higher overall
  • Premium cards subsidised
  • Hidden margin

Hidden fees in plain sight

Merchant statements can hide costs in plain sight — like premium card uplifts, cross-border surcharges, authorisation fees, and PCI line items. We translate every line, then re-quote like-for-like so you can see the real savings.

  • Line-by-line statement analysis
  • Like-for-like comparisons
  • Clear breakdown of potential savings
  • Honest assessment even if switching isn't worth it

Common hidden fees

Premium card surcharge

0.3-1.5% extra on Amex, corporate cards

Cross-border fee

0.5-1% on non-UK cards

PCI non-compliance fee

£10-50/month if SAQ not completed

Minimum monthly charge

£25-100 if volume too low

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