Statement and pricing
- Effective rate across debit, credit and international cards.
- Per-device terminal hire and any add-on POS fees.
- PCI, authorisation, minimum monthly service and any tip-processing fees.
Independent UK card payment reviews
Restaurant card machines
Card machines and payment reviews for restaurants
A restaurant needs more than a low rate. The review considers the full cost alongside table service, terminal reliability, settlement and EPOS requirements.
- Free to review
- No obligation
- You stay in control
The questionDoes your restaurant's payment setup still earn its place at every table?
Handheld terminals · busy service · tips, splits and EPOS
What matters for restaurants
A payment setup should fit the operation—not get in its way.
Restaurants run on tight margins and high transaction volumes. The right card payment setup balances rate, terminal reliability, settlement speed and the ability to handle pay-at-table or split-bill scenarios where needed.
We start with how the business trades today, then judge the current arrangement and any alternative against the same practical requirements.
The operational brief
What a suitable setup needs to handle.
- 01
Reliable handheld terminals at the table
- 02
Settlement timing written into the agreement that suits cash-flow requirements
- 03
Support that responds quickly during service
- 04
Clear pricing across debit, credit and international cards
Look beyond the headline rate
The bill can contain more than one moving part.
Two quotes can use completely different pricing structures. We bring the recurring, per-transaction and equipment charges into the same view before comparing them.
Compare my current costsCharges worth checking
- Per-transaction percentage, often higher on tourist or commercial cards
- Monthly terminal hire, often multiple devices
- PCI compliance fees and tip-handling charges where applicable
The useful comparisonYour total effective cost
What we review
The commercial picture, checked line by line.
A recent statement gives us the clearest starting point. If you do not have one to hand, you can still begin with a few details about the business.
Contract and equipment
- Multi-terminal restaurants often have several terminal contracts with different end dates.
- Always confirm if integrations with EPOS or booking systems are tied to the contract.
The outcome
You get options, not pressure.
Stay
If the current arrangement still looks suitable, we will say so.
Renegotiate
The review may give you clearer points to raise with the current provider.
Compare
If another route looks stronger, we explain the differences and next steps.
We do the legwork. You decide. There is no obligation to switch and no need to speak to several providers yourself.
Common questions
Before you ask us to take a look.
Can you review a restaurant that runs several handheld terminals?
Yes. Each terminal can sit on its own hire line with its own end date, so the review lists every device charge found on the statement alongside the merchant-services fees.
Will a review look at pay-at-table or EPOS integration costs?
Where those charges appear on the statement or in the agreement paperwork you send, they are included. Integration terms can affect notice periods, so we flag them rather than assume they transfer.
Do I have to change provider after a restaurants payment review?
No. The review is there to help you understand the current arrangement and any suitable alternatives. You decide whether staying, renegotiating or changing makes sense.
What do you need to review my current card payment deal?
You can start with a few details about the business. A recent merchant statement is helpful because it shows the actual card mix and charges, but it is optional at the first step.
Can you compare card machines and payment providers for restaurants?
Yes. We first understand how the business accepts payments, then compare suitable options against its costs, equipment, software, support and contract requirements. The aim is a better fit, not simply a lower-looking headline rate.
Will I have to speak to several payment providers?
No. Card Payment Connect handles the comparison work and explains the options through one point of contact. If you choose to proceed, we help keep the next steps straightforward.
Useful guides for restaurants
9 min read
Best Card Machine for Restaurants: What to Compare
Restaurants need more than a fast terminal. Compare table workflow, tipping, split payments, EPOS integration, resilience, settlement and the complete commercial deal.
12 min read
Understanding Your Merchant Statement: A Line-by-Line UK Guide
A plain-English walk-through of every line on a UK merchant services statement, from interchange and scheme fees to PCI, terminal hire and the small charges that quietly inflate your effective rate.
A quick check could answer a valuable question
Does your current restaurants payment deal still stack up?
Tell us how you take payments. Add a statement if you have one. We will review the arrangement and explain what your options look like.
Check My Current Deal Free to review. No obligation. Statement optional.