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.
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 RMS arrangement
Retail Merchant Services publishes a specific cancellation process for its Membership Agreement. That process should not be assumed to end a separate acquiring or equipment arrangement. Identify the agreements and supplier contacts that actually apply to your business.
A useful review reconciles your RMS charges with processing and any separately billed services. We can explain the figures you choose to share and compare suitable options; it is not necessary to submit a statement before starting a conversation.
- ProcessingUse the actual acquiring fee schedule and card activity.
- Membership or service chargesIdentify what the charge includes and whether it overlaps with another bill.
- EquipmentCheck rental, support, ownership and device-return requirements.
- Additional chargesConfirm which minimum, PCI-related, authorisation or other fees apply to the account.
Contract, terminals, payment channels and settlement considerations
- Use your signed minimum term and renewal provisions; do not assume all RMS accounts share one duration.
- RMS's public Membership Agreement guidance describes a confirmation-and-acknowledgement step before notice starts. Confirm the procedure for your own agreement.
- Ask RMS to confirm the effective cancellation date and any remaining balance in writing.
- Check the closure process for any separate acquirer or equipment agreement instead of assuming one request closes everything.
Businesses RMS may or may not suit
Why businesses ask for a review
- You need to understand the membership and processing charges together.
- You are planning a switch and need confirmed end dates.
- A renewal, rate change or unexplained fee needs review.
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. 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 Retail Merchant Services 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 Retail Merchant Services statement review take?
We will confirm the expected review time after receiving your information.
Get an independent view on your RMS 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 RMS 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.