Independent UK card payment reviews
Is your PayPal deal still earning its place?
We review your PayPal statement, rates, account fees, terminals and contract terms to work out what the arrangement is really costing your business—and whether it still fits the way you trade.
No statement or competing quote needed to start. Free review, with no obligation to switch. We never contact a payment provider without your permission.
Provider pricing and terms vary by business and can change. Published details are linked to official sources where available; the figures that matter are the ones on your own statement, quote and signed agreement.
What we check on a PayPal arrangement
PayPal's UK merchant fee schedule distinguishes payment types, currencies and international transactions. A single headline rate is not a reliable estimate for a business using several checkout options. Identify your product and applicable pricing arrangement first.
Compare PayPal's cost and role in your checkout using your own sales data. Do not assume it always costs more than another provider or always increases conversion. If you are considering removing it, assess customer usage and the checkout impact as well as fees.
- Payment chargesApply the relevant rate and fixed amount to each payment category.
- International transactionsCheck the market-based rules and additional fees applicable to the transaction.
- Currency conversionIdentify whether conversion occurs, who performs it and which charge applies.
- Disputes and other servicesCheck the applicable fee schedule, eligibility and exceptions for your actual account.
Contract, terminals, payment channels and settlement considerations
- Review the applicable PayPal account and product terms, including any separately agreed pricing.
- Do not assume a negotiated or tiered rate is active until it is confirmed for your account.
- Plan pending refunds, disputes and reporting access before removing an integration or closing an account.
- Confirm the treatment of any held funds or reserve directly with PayPal; disabling checkout is not confirmation that all funds are available.
Businesses PayPal may or may not suit
Why businesses ask for a review
- Different PayPal payment types make the total fee unclear.
- International or currency-conversion charges have become significant.
- You want to assess PayPal's cost alongside its actual use by customers.
Related comparisons and learning guides
Frequently asked questions
Will reviewing my PayPal statement contact PayPal?
No. We never contact your current provider without your written permission. The review is private and entirely for your information.
Do I have to leave PayPal after the review?
Not at all. The review may support staying, asking your provider for revised terms, or comparing a suitable alternative. You are under no obligation to switch.
Can I start without a PayPal statement?
Yes. Tell us your current provider, approximate card turnover and what you want to improve. A recent statement helps us check the actual charges, but you can provide it later.
How long does a PayPal statement review take?
We will confirm the expected review time after receiving your information.
Get an independent view on your PayPal setup
We check your current costs and compare suitable options from our selected provider network where useful. We explain whether staying, renegotiating or switching makes sense. A recent PayPal statement helps us check actual charges, but you can send it later. You do not need another provider's quote to start.
Official sources
Information from these sources last checked 2026-10-11.
Provider names and trademarks identify the products discussed; their inclusion does not imply endorsement of this page. Card Payment Connect compares suitable options from a selected provider network, not the whole market. If you choose a provider we introduce, that provider may pay us a referral fee.