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Payment processing

Most businesses are on a rate they never negotiated.

Card processing pricing is deliberately hard to compare: blended rates, authorisation fees, PCI charges and terminal rentals all pull in different directions. We normalise the lot into one number and shop it across fourteen acquirers.

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What we pull apart

Six places the real cost hides.

A headline rate tells you very little. Send us three months of statements and we will show you your true effective rate, then what each acquirer on our shelf would charge for the same volume.

  • Blended vs interchange-plus pricing
  • Authorisation and PCI fees
  • Settlement timing and rolling reserves
  • Terminal rental and buy-out costs
  • Chargeback handling and fees
  • Contract length and exit terms

The shelf

Four of the fourteen acquirers we broker.

Rates shown are brokered rates for typical UK card mix. Your quote depends on volume, sector, average transaction value and risk profile.

Broker's pickRepriced this month
HX

Hale & Cross

Card acquiring

Interchange-plus pricing with next-day settlement and no monthly minimum. Best all-round rate on the shelf.

blended card rate

1.19% + 8p

  • Transparent interchange-plus
  • Next-day settlement as standard
  • No monthly minimum or PCI fee
  • Terminals from £12/month
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NL

Northlark

Online checkout

Developer-friendly checkout with strong fraud tooling for card-not-present volume.

1.49% + 15p

online transactions

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SL

Solent Commerce

Omnichannel

One rate across terminals, online and phone orders, with flexible payout timing.

1.4%

blended

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CP

Copperline

High volume

Negotiated interchange for businesses processing over £1m a month.

0.89% + 5p

on qualifying volume

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Find out what you are really paying.

Send three months of merchant statements. We will tell you your effective rate and whether it is worth moving — including when the answer is no.

Send my statements