Independent UK card payment reviews
Is your RMS deal still earning its place?
We review your RMS 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.
Independent review. No obligation to switch. We never contact RMS 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 RMS arrangement
Retail Merchant Services (RMS) is a long-standing UK card payments brand, ultimately supported by Fiserv (formerly First Data). Accounts are typically opened via field-based sales agents, so pricing varies significantly depending on when and how the account was signed.
Because RMS accounts sit across a wide range of ages and pricing structures, a statement review is the most reliable way to see where yours sits relative to current market pricing.
- Transaction rateUsually blended, sometimes with separate premium and international card rates.
- Terminal rentalMonthly hire on a separate agreement to the merchant account.
- PCI compliance feeAnnual charge plus non-compliance fee where applicable.
- Authorisation and minimum feesStandard recurring charges seen on most RMS statements.
Contract, terminals, payment channels and settlement considerations
- Merchant agreements typically run multi-year terms of 12 to 60 months.
- Terminal hire is usually a separate agreement and can outlast the merchant contract.
- Early termination charges may apply on either or both contracts.
- Where switching makes clear financial sense, some alternative providers may help with exit costs, subject to approval.
Businesses RMS may or may not suit
Why businesses ask for a review
- Account was opened years ago via a field agent and has never been reviewed.
- Statement includes line items that are hard to interpret.
- Renewal or rate change notification has been received.
Related comparisons and learning guides
Frequently asked questions
Will reviewing my Retail Merchant Services statement contact Retail Merchant Services?
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 Retail Merchant Services after the review?
Not at all. Many reviews end with the business staying on a renegotiated rate, or with confirmation that the existing setup is reasonable. You are under no obligation to switch.
How long does a Retail Merchant Services statement review take?
We will confirm the expected review time after receiving your information.
What does the review actually check?
Transaction rates, terminal rental, PCI fees, authorisation fees, monthly minimums, settlement timings, contract length, exit fees and any additional charges specific to your account.
Get an independent view on your RMS setup
Send a recent RMS statement and we will calculate the effective cost of the arrangement and tell you plainly whether it is competitive. If it already is, we will say so.
Provider names and trademarks are used for identification. Card Payment Connect is independent and is not affiliated with or endorsed by this provider unless clearly stated.