Independent merchant statement reviews across the UK.
London
London businesses span every industry, every transaction size and every card mix imaginable. From tourist-heavy retail in the West End to high-volume hospitality in the City and Shoreditch, card processing costs vary enormously between accounts that look superficially similar.
Manchester
Manchester's mix of hospitality, retail and professional services means card payment setups vary widely. Many established businesses have been on the same merchant agreement for years without a formal benchmark.
Birmingham
From the Jewellery Quarter to the city centre and the wider West Midlands, Birmingham businesses use a broad range of card payment providers and pricing models. A statement review is the most reliable way to know whether your specific account is competitive.
Bristol
Bristol's independent retail, hospitality and creative business scene means a wide range of card payment setups across the city. Pricing reviews are particularly useful for businesses that have grown beyond their original onboarding rate.
Leeds
Leeds' retail and hospitality businesses sit alongside a strong professional services sector. Card payment costs vary widely depending on average transaction value, card mix and how recently rates were last reviewed.
Glasgow
Glasgow's hospitality, retail and tourist trade means a wide variety of card mixes and transaction values. A short, structured review can confirm whether the rate on your current statement is genuinely competitive for a business like yours.
Liverpool
Liverpool's mix of tourism, hospitality and independent retail makes card processing costs particularly variable. A statement review gives a clear, evidence-based picture of where your account sits in the current market.
Cardiff
Cardiff's growing hospitality, retail and event economy means card payments are central to many local businesses. Reviewing your statement is the most reliable way to see whether the rate you're paying is in line with the current market.
Edinburgh
Edinburgh's tourism, hospitality and independent retail trade means card mix can vary enormously across the year. A structured statement review confirms whether your account is competitively priced for the realities of your business.
Nottingham
Nottingham's mix of independent retail, hospitality and a strong student-driven trade means card mix and transaction values vary widely. A short statement review confirms whether your specific account reflects current market pricing.
Sheffield
Sheffield's independent traders, hospitality venues and trades businesses each have different card payment requirements. A review confirms where your current setup sits versus the wider market.
Newcastle
Newcastle's hospitality, retail and tourism economy means card mixes vary considerably across businesses. A short statement review confirms whether your specific account is competitively priced.
Explore our merchant services knowledge hub
Six topical clusters covering everything from reading your statement to interchange rates, compliance, contracts, hardware and online payments.
Merchant statements & fees
Everything on your monthly statement — line by line — and how to spot overcharging.
Explore clusterPricing models & rates
How UK card processing is priced — interchange-plus, blended, IC++ — and what a fair rate looks like.
Explore clusterContracts, exit fees & switching
Contract length, autorenewal, termination clauses and how to switch provider without penalties.
Explore clusterPCI, SCA & risk
PCI DSS compliance, Strong Customer Authentication, chargebacks and reserves.
Explore clusterCard machines & hardware
Terminals, PDQs, portable and mobile card machines — buying guides by business type.
Explore clusterOnline & cross-border payments
Gateways, merchant accounts, surcharging law and dynamic currency conversion.
Explore clusterFind out if you're overpaying on card fees
Two numbers — your monthly card bill and annual turnover — and we'll estimate your effective rate against the UK average. Send your statement and we'll email a full written breakdown within 30 minutes (8am–6pm, 7 days a week).
Takes 30 seconds. Statement optional.