A clearer view of cost
See the full arrangement together, so you can judge the deal on more than one attractive percentage.
Independent UK card payment reviews
Independent UK card payment review
Already taking card payments? We help UK small businesses check their fees, contract and equipment, then compare suitable options. Start with a conversation or a free review—there is no need to share a statement straight away.
Free review. No obligation to switch. Statement optional.
Founded by Matthew McCarthy, with around 10 years in UK card payments. We compare a selected provider network, not the whole market.

The real question
Does your total payment cost still stack up?
Payments taken through
Worth asking
Pricing is difficult to compare, businesses change and old arrangements can quietly stop fitting. A review gives you a reasoned answer—not a reason to switch for the sake of it.
When did you last review every fee on your statement?
Has your turnover changed since your pricing was agreed?
Do you know your real processing cost—not just the headline rate?
How it works
One route through a market full of different rates, fees, contracts and hardware. You stay in control from the first question to the final decision.
A few quick answers are enough to start. Add a statement now or later if you want a line-by-line review.
We make sense of the pricing, contract and payment setup, then compare suitable options where it is worth doing.
You get a clear explanation of whether your current deal still stacks up and what realistic alternatives exist.
Stay, renegotiate or switch. Nothing moves forward unless you want it to.
Look beyond the headline rate
Proper comparison means lining up the whole arrangement. That is the work we take off your plate.
Looking for a better deal on your business card payments? We help UK small and medium-sized businesses compare the full cost, contract and equipment—not just the headline rate. Whether you are reviewing an existing setup or taking cards for the first time, start with a free review.
Get My Free Payment Review See what we check in your payment reviewYour quickest next step
Tell us your name, business and how to contact you. You do not need another quote or a statement to start. We will check what you share and explain the next step.
“Your current deal might be fine. But isn’t it worth checking?”
No charge · No pressure · No automatic switching
Card Payment Connect was founded by Matthew McCarthy, who has around 10 years in UK card payments. Your review is free; we may receive an introducer fee if you choose a provider we introduce. You remain in control of any next step.
Free payment deal check
Tell us about your business and how to contact you. We will check the details and help you explore a better deal.
No statement needed. Start with a conversation and decide what you are comfortable sharing.
Why use us
See the full arrangement together, so you can judge the deal on more than one attractive percentage.
One conversation replaces hours of researching, chasing quotes and trying to compare different pricing structures.
Terminals, online payments, phone payments and integrations are considered alongside price—not after it.
You have one UK contact to explain the options and help with the next step if you choose to take it.
Built around your business

Restaurants, pubs, cafés and hotels
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Independent shops and convenience stores
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Clinics, dentists, vets and salons
ExploreGarages, trades and businesses on the move
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Online shops, gateways and checkout payments
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Groups that need consistent payments and reporting
ExploreUnderstand the provider landscape
Different providers suit different volumes, industries and ways of taking payment. Our guides help you understand the differences before you decide what deserves a closer look.
Provider names and logos are shown for identification and comparison. This does not imply endorsement, partnership or that every provider is in our referral network.
View all independent provider reviewsReal customer experience
“Card Payment Connect reviewed our merchant statement and quickly identified that we were paying significantly more than we needed to. They found us a much better deal with one of the UK's leading payment providers, offering both lower costs and an improved service.”

Experience behind the review
Matthew McCarthy has around 10 years of experience in UK card payments. That experience shapes a review of the fees, contract and equipment together, so you can decide whether staying, renegotiating or switching makes sense.
How we work and how we are paidIndependent market evidence supports the value of asking.
In its 2021 market review, the Payment Systems Regulator reported that nearly 90% of surveyed small and medium-sized merchants who tried to negotiate obtained better price or non-price terms. This is historical market research, not our customers' results or a guarantee of savings.
Questions before you start
No pressure and no jargon. If your question is not here, call us and ask it directly.
No. The useful answer may be to stay, renegotiate or compare another option. You decide whether anything happens after the review.
Our review is free and there is no obligation to switch. If you choose a provider we introduce, we may receive an introducer fee. Any payment-processing, equipment or other provider charges are separate and should be checked in the written offer.
Your name, business name and a phone number or email address are enough to start. A recent statement helps us check the actual charges, but sharing one is optional. You can talk to us first and add it later if you are comfortable.
Yes. We can look at the agreement and exit information you provide. A statement may not show when you can leave: check the minimum term, notice and any separate terminal or software agreement, and ask the provider for written confirmation before cancelling. Waiting or renegotiating may be more suitable than moving now.
Yes. Compare the whole ongoing bill and any exit, setup or equipment costs using the same turnover, card mix and transaction count. A lower advertised rate alone is not enough to justify moving.
A change needs planning. Confirm the new account is approved, test the equipment and integrations, check settlement and agree a fallback before ending the old service. Timing varies, so do not cancel the current setup before the replacement is ready.
No. You can request a review or speak to us first without uploading anything. If you later choose to share a statement, you may cover bank account details and other unnecessary information. Leave the charges, statement period and card-sales totals visible, and never send passwords or customer card details.
No. Card Payment Connect is your point of contact. We do the comparison work and only introduce or contact a provider with your permission.
Yes. The review can include card machines, merchant accounts, online payments, payment gateways, phone payments and multi-site requirements, depending on how your business takes payment.
No. We review your current arrangement and compare suitable options from a selected provider network where appropriate. We are clear about that and do not claim to cover the whole market.
We review the information, contact you to fill any important gaps and explain what looks worth doing next. Nothing is sent to a provider and no switch is started without your permission.
Your current deal might be fine
Find out whether your card payment arrangement still fits. We do the legwork. You decide.
Free review · No obligation · No provider contact without permission