Cafés & restaurants
Busy hospitality businesses with mixed card and contactless turnover.
Free merchant statement review for UK businesses
Stop overpaying for card processing.
Upload a recent merchant statement for a free independent review, or simply leave your details and we'll guide you through the next step. We review your rates, fees, contract terms and service setup, compare suitable UK providers, and explain your options clearly. No obligation. No provider contacted without your permission.
No statement ready? Leave your details below and a payment specialist will tell you exactly what to send next.
Independent UK review serviceStatement upload optionalConfidential reviewNo provider contacted without your permission
Secure statement upload. Reviewed by our UK payment specialists.
Example review findingIndependent
Current rate
1.18%
−0.88%
Possible
0.30%
Real reviews vary — we'll show you exactly where you stand, in plain English.
- Free Review
- No Obligation
- Confidential
- No Provider Contacted Without Permission
- UK Payment Specialists
Why us
Why businesses use Card Payment Connect
We help UK business owners find the most suitable card payment setup. Different providers assess industries, turnover levels and risk profiles differently — so the right fit matters far more than the cheapest headline rate alone.
Deep market knowledge
Different providers assess industries, turnover levels and risk profiles differently. We understand how each provider prices and which setups suit which business types.
We work for you, not the provider
Our role is to represent your interests. We are not tied to any single provider and have no incentive to push a particular product or solution.
Identify the most suitable provider
We compare suitable options based on service quality, acceptance rates, contract terms and pricing — not just the headline rate.
Help negotiate better commercial terms
We use our understanding of market pricing to help you secure improved rates, fairer contract terms and stronger service commitments.
Support through the switching process
If a switch makes sense, we help manage the transition — from paperwork and compliance to terminal installation and go-live support.
No obligation to switch
If your current deal is already competitive, we'll tell you. There's never any pressure to move.
We work for you, not the provider.
No provider is contacted without your permission.
Market coverage
Providers we review and compare
We help businesses understand the differences between providers, pricing structures, service levels and contract terms so they can make informed decisions based on their individual requirements.
Worldpay
Teya
Dojo
Barclaycard Payments
Lloyds Cardnet
Elavon
Global Payments
Takepayments
Provider names are referenced for comparison purposes only. Card Payment Connect is independent and not affiliated with the providers listed.
How it works
A simple, no-pressure process.
Four clear steps. Most reviews are turned around within a few working days.
- 01
Upload your statement
Send a recent merchant statement, or just leave your details and we'll guide you through what to send.
- 02
We review your costs
Rates, scheme fees, terminal costs, contract terms and service setup — checked line by line.
- 03
We compare suitable options
An independent comparison across UK providers, matched to your business type and turnover.
- 04
You decide what to do next
Switch, renegotiate or stay put — your choice. No pressure, no provider contacted without permission.
No sales pressure. No confusing jargon. Just clear, independent advice from UK payment specialists.
Matt McCarthy
Founder, Card Payment Connect
Founder & company story
Built by people who know the payments industry
Card Payment Connect was founded by Matt McCarthy after identifying a lack of transparency in the UK card payments industry. Our mission is simple: help UK businesses understand what they are paying, compare their options and secure a better deal with a provider that suits their needs.
Our team has worked across card payment providers, acquirers and merchant service organisations, giving us first-hand insight into pricing models, contract terms, underwriting, settlement arrangements and service levels.
Every statement is reviewed by our payment specialists, your information is treated confidentially, and no provider is contacted without your permission.
Independent · Confidential · UK payment specialists
Card Payment Connect is a trading name of ICP Connects Limited, registered in England and Wales (15881485). Independent introducer. Not regulated financial advice.
Our review methodology
How we review your statement
Every statement is reviewed by our payment specialists using the same five-point check, so you get a consistent, independent view of where your card payment setup stands.
- 01
Your effective rate
We calculate the true blended cost of accepting card payments — not just the headline rate.
- 02
Hidden and recurring fees
PCI, authorisation, minimum monthly, statement, gateway and any other line items that quietly add up.
- 03
Contract terms and exit costs
Length, notice period, auto-renewals and any early termination fees you should know about.
- 04
Suitability for your business
Whether the setup fits your industry, turnover, settlement needs and the way you trade.
- 05
Plain-English options
A clear summary of what's reasonable, what isn't, and where any genuine savings or improvements sit.
Reviewed by our UK payment specialists. Independent of any provider. No introductions are ever made without your permission.
Prefer to talk first? Call 07735 864 445
Call 07735 864 445Card Payment ConnectFree review
Get a Free Card Payment Review
Uploading a recent merchant statement helps us give you a more accurate review, but it is not required. If you do not have one ready, submit the form and we will guide you through the next step.
- Free, no-obligation review
- Independent guidance for UK businesses
- No provider contacted without your permission
- Your information and statement stay confidential
- Optional 15-minute review call
Businesses we help
Built for UK businesses that take card payments every day.
From independent cafés to multi-site retailers — we review setups across the businesses that keep the high street running.
Retail & convenience
High-street shops and multi-till retailers comparing card terminals.
Garages & trades
Workshops, services and trades taking card payments on-site.
Hotels & accommodation
Hotels, B&Bs and venues with PMS and online booking integrations.
Cafés
Restaurants
Garages
Salons
Gyms
Clinics
Retail shops
E-commerce
Trades & services
Hotels
Multi-site businesses
Professional services
If your business takes card payments regularly, a statement review is worthwhile — even if you've only been with your current provider for a year.
Who we help
We help UK businesses across retail, hospitality, automotive, trades and professional services understand their card payment costs and compare their options.
From the learning centre
Advice & insights for UK businesses
Plain-English guides on merchant statements, effective rates, contract terms and how to cut card processing costs.
Understanding Your Merchant Statement
A plain-English guide to the line items on a UK merchant services statement, and which ones quietly inflate your effective rate.
6 min readRead article
What Is An Effective Merchant Rate?
The single most useful number to know about your card processing, and how to calculate it from any UK merchant statement.
4 min readRead article
How To Reduce Card Processing Costs
Practical, vendor-neutral steps any UK business can take to bring down card processing costs without compromising service.
6 min readRead article
09, FAQ
Common questions, answered plainly.
Yes. The review is completely free and there is no obligation to change provider.
No. We only contact a provider if you ask us to.
No. A recent statement helps us review your costs more accurately, but you can still request a review without one.
We usually reply to new enquiries within 24 hours, and most reviews are returned within a few working days.
Our payment specialists review the information, check your pricing and contract details, and come back with a plain-English summary of your options. No provider is contacted without your permission.
Yes. Your details and any statement you share are handled confidentially and are never passed on without your permission.
Card Payment ConnectGet a clearer view of your payment options.
A simple, no-obligation review from someone with real experience across the UK payments industry.
Get My Free Payment Review