A free, independent review of your UK merchant statement
Upload a recent merchant services statement and we'll walk through the rates, fees, terminal costs and contract terms in plain English. There's no charge, no obligation to switch, and we never contact another provider without your permission.
What a merchant statement review is
A merchant statement review is an independent read of a recent statement from your card payment provider. The headline rate quoted when you signed up is rarely the rate you actually pay each month - scheme fees, authorisation fees, PCI charges, terminal hire and minimum monthly service charges all sit on top.
We use your statement to calculate the effective rate you're really paying, highlight any line items that look unusual for a UK business of your profile, and explain the contract and terminal terms that affect when you can review your setup without penalty.
The same approach applies whether you're searching for a merchant services statement review, a card payment statement review or simply a second opinion on what you're paying.
What we check on your statement
Every review covers the six areas below. You'll receive a written summary that references the relevant lines on your own statement.
Transaction rates
Per-transaction percentages across consumer, commercial and international cards, and whether your effective rate matches the headline rate quoted to you.
Monthly fees
Account fees, minimum monthly service charges, PCI fees, statement fees and any add-ons quietly billed each month.
Terminal costs
Terminal rental, lease agreements, maintenance cover and whether the terminal contract runs longer than the merchant contract.
Contract terms
Length of agreement, renewal clauses, notice periods and any auto-renewal terms that affect when you can review without penalty.
Hidden or unclear charges
Authorisation fees, scheme and interchange mark-ups, non-compliance fees and any line items that aren't clearly explained on the statement.
Saving opportunities
Where current pricing sits against the wider UK market and whether reasonable alternatives may be available for a business of your profile.
What happens after you upload a statement
1. We confirm receipt
You'll get a short email confirming we've received your statement and outlining anything else we need.
2. We review the detail
We work through each section of the statement, calculate your effective rate and check the contract and terminal terms.
3. You receive your summary
A clear written summary of what you're paying, how it compares, and any saving opportunities. No pressure to act.
No obligation, no surprises
- You are never obliged to switch provider after the review.
- We do not contact your current provider, and we never share your statement with another provider without your explicit permission.
- If you'd rather understand your statement first, browse our learning centre or compare common provider setups.
What you'll get from your free review
Upload your merchant statement and we'll review it independently. You'll receive a written summary covering the areas below — clear, honest and with no pressure to act.
Plain-English breakdown
A clear summary of the card payment fees you're currently paying, line by line, with jargon explained.
Your current effective rate
Where possible, we calculate the real rate you pay across all card types after scheme fees, authorisation and extras.
Transaction, monthly and terminal checks
We review your transaction rates, monthly account fees and terminal rental costs against typical UK market ranges.
Contract and exit fee notes
If visible on your statement or contract, we flag notice periods, renewal clauses and any exit fees that affect your timing.
Saving opportunities
We point out where your costs look higher than expected for a business of your profile and what that could mean.
Switching guidance — if relevant
If switching provider may be worth considering, we explain why. If your current deal already looks competitive, we'll say so honestly.
No provider is contacted without your permission and there is no obligation to switch.
We work for you
We don't just compare card payment providers.
We start by reviewing your current setup, understanding your business and identifying what matters most to you.
If there is a better option available, we compare suitable providers on your behalf and help you find the right balance of pricing, service, support and contract terms.
Our aim is not simply to find the cheapest provider. It is to help you find the most suitable provider and secure the best overall deal for your business.
We do the research, comparison and legwork so you can make an informed decision with confidence.
We work for you, not the provider.
No provider is contacted without your permission and there is no obligation to switch.
Card Payment ConnectAre you overpaying on card fees? Find out in 30 seconds.
Tell us what you pay each month and your annual turnover. We'll estimate your effective rate against the UK average, then call you to confirm — and email a full written breakdown within 30 minutes if you send a statement.
- Free, no-obligation check
- Independent — we work for you, not the providers
- No provider contacted without your permission
- Confidential and encrypted
Frequently asked questions
What is a merchant statement review?
A merchant statement review is an independent read of a recent merchant services statement. We look at your transaction rates, monthly fees, terminal costs, contract terms and any unclear charges, then explain how the total cost compares to typical UK market pricing.
Is the review really free?
Yes. There is no charge for the statement review and no obligation to switch provider afterwards. We only contact other providers on your behalf if you ask us to.
What do I need to send?
A recent monthly merchant statement (PDF, photo or scan) is enough to start. If you have a copy of your current contract or terminal agreement, that helps us check exit terms too.
Will you contact my current provider?
No. We never contact your current provider, and we don't share your statement with any third party without your explicit permission.
How long does the review take?
Most reviews are returned within a few working days. More complex multi-site or multi-terminal accounts can take a little longer.
New to merchant statements? Start with Understanding your merchant statement, Card payment fees explained or our guide to UK card processing rates.