01 / SQUARE
1.49% + 5p
Fixed pricing. Best for low-volume, high-ticket retail. Same-day deposits available.
Probably 30 to 80 basis points over what you’d get if someone negotiated. We know because we negotiate daily. Most clients save between £1,800 and £9,400 per year within thirty days of switching.
On £500k annual card turnover, trimming 45 basis points off your transaction rate saves £2,250 per year. We run the number against your volume, ticket size, and present card mix. Here’s a sample.
// Indicative. Your actual rate depends on risk profile, card mix (debit/credit/Amex), average ticket, and refund rate. Benchmarking takes 48 hours; we only quote a real rate once we’ve read your last three months of merchant statements.
Fixed pricing. Best for low-volume, high-ticket retail. Same-day deposits available.
Pay-as-you-go. No contract. Best for pop-ups, cafes, beauticians. £20 terminal, no rental.
Contract-based. Better for £100k+ annual card volume. We negotiate the rate you see quoted.
Best for £500k+ annual. We unlock interchange-plus pricing; off-the-shelf Worldpay is usually pricier.
Every broker will quote you a teaser. We read the statements first, find the hidden levies (authorisation fees, interchange padding, annual compliance), then quote.
We pull three months of merchant statements and extract: headline rate, non-qualifying rate spread, average ticket, monthly volume, refund rate, authorisation fee, PCI levy, compliance fee, gateway fee, terminal rental. That’s the actual cost — not the headline rate the salesperson quoted.
Then we present the same numbers back to each panel and ask for an all-in quote. We pick the three cleanest and show them to you side by side. You pick one. We handle porting, terminal swap, and PCI re-certification.
Forty-eight-hour turnaround. No obligation to switch. If we can’t save you basis points, we say so and move on.