Cafés & restaurants
Busy hospitality businesses with mixed card and contactless turnover.
Get the Best Card Processing Deal for Your UK Business
Find out if you're overpaying for card processing
We work for you, not the payment providers. We review your merchant statement, tell you honestly whether your deal is competitive, and manage the switch if a better option exists.
Led by Matt McCarthy, 10+ years inside UK card payments.
Experience across the UK's leading payment providers
- Worldpay
- Lloyds Cardnet
- Global Payments
- Teya
- Paymentsense
- Clover
- Square
- Stripe
- Shopify Payments
- Adyen
- Trust Payments
- Retail Merchant Services
- Worldpay
- Lloyds Cardnet
- Global Payments
- Teya
- Paymentsense
- Clover
- Square
- Stripe
- Shopify Payments
- Adyen
- Trust Payments
- Retail Merchant Services
- Barclaycard
- Elavon
- Dojo
- Takepayments
- Handepay
- SumUp
- Zettle
- PayPal
- Opayo
- Revolut Business
- Epos Now Payments
- First Data / Fiserv
- Barclaycard
- Elavon
- Dojo
- Takepayments
- Handepay
- SumUp
- Zettle
- PayPal
- Opayo
- Revolut Business
- Epos Now Payments
- First Data / Fiserv
Card Payment Connect is independent and not affiliated with, endorsed by, or acting on behalf of the providers shown.
Experience across the UK's leading payment providers
- Worldpay
- Lloyds Cardnet
- Global Payments
- Teya
- Paymentsense
- Clover
- Square
- Stripe
- Shopify Payments
- Adyen
- Trust Payments
- Retail Merchant Services
- Worldpay
- Lloyds Cardnet
- Global Payments
- Teya
- Paymentsense
- Clover
- Square
- Stripe
- Shopify Payments
- Adyen
- Trust Payments
- Retail Merchant Services
- Barclaycard
- Elavon
- Dojo
- Takepayments
- Handepay
- SumUp
- Zettle
- PayPal
- Opayo
- Revolut Business
- Epos Now Payments
- First Data / Fiserv
- Barclaycard
- Elavon
- Dojo
- Takepayments
- Handepay
- SumUp
- Zettle
- PayPal
- Opayo
- Revolut Business
- Epos Now Payments
- First Data / Fiserv
Card Payment Connect is independent and not affiliated with, endorsed by, or acting on behalf of the providers shown.
- Independent Advice
- Personally Reviewed
- Confidential Process
- No Provider Contacted Without Permission
- No Obligation
UK payment comparison
UK Payment Providers We Can Review & Compare
We compare suitable UK payment providers based on your business type, card turnover, current rates and contract terms. No obligation. No provider contacted without your permission.
Card schemes & payment methods accepted across the market
- UnionPay
- Maestro
- Visa Electron
- Contactless
UK payment providers we can review & compare
- Worldpay
- Lloyds Cardnet
- Elavon
- Global Payments
- Dojo
- Teya
- Takepayments
- Paymentsense
- Handepay
- Clover
- SumUp
- Opayo
- Trust Payments
- Epos Now Payments
- Retail Merchant Services
- First Data / Fiserv
Card Payment Connect is independent and not affiliated with, endorsed by, or acting on behalf of the providers or card schemes shown. Logos are used only to show examples of providers and payment methods we can review or compare.
What Card Payment Connect reviews
A like-for-like comparison across the things that actually drive your cost.
- Transaction rates
- Terminal rental
- PCI fees
- Authorisation fees
- Contract length
- Exit fees
- Settlement times
- Online payment options
- EPOS integrations
- Customer support
Potential savings may be available depending on your current provider, card turnover and contract terms. We'll tell you honestly if your existing setup is already competitive.
- 01
Tell us about your business
A few quick details so we understand how you take card payments today.
- 02
We review your statement and current fees
Our UK payment specialists go through your rates, contract terms and any recurring charges.
- 03
You receive clear options from suitable UK providers
An independent shortlist matched to your business type, card turnover and how you trade.
Independent UK payment specialists. No obligation. No provider contacted without your permission.
Get My Statement ReviewedTrack record
1000's of UK businesses have trusted us to check their card-processing costs.
Businesses helped
1000's
of UK businesses have used our review to understand their merchant statement and secure better value where available.
Typical reduction
Around 30%
for businesses found to be overpaying. Savings vary and are never guaranteed. Some businesses are already on a competitive deal.
Independent UK consultancy
Card Payment Connect is a trading name of ICP Connects Limited, registered in England and Wales (15881485). We work for the business, not the provider.
“We reduced their card-processing costs by approximately £600 per month and managed the entire switching process on their behalf.”
Exeter Window Store
Independent UK retailer
Figures shown are examples of outcomes achieved for specific businesses and are not a prediction of your result. Savings depend on turnover, industry, transaction profile and your existing agreement. Some businesses we review are already on competitive pricing. Where that is the case, we say so and recommend no change.
Trusted by UK businesses
"Card Payment Connect reviewed our merchant statement and quickly identified that we were paying significantly more than we needed to. They found us a much better deal with one of the UK's leading payment providers, offering both lower costs and an improved service. The entire process was handled for us from start to finish, making the switch incredibly straightforward. Best of all, it didn't cost us a penny because Card Payment Connect was paid by the new provider rather than by us. We weren't bombarded with sales calls, we saved both time and money, and without their help we'd probably still be tied into an expensive agreement with our previous provider. I'd happily recommend Card Payment Connect to any business looking to make sure they're getting a fair deal. A genuine 10/10 service."
MS
Mitch Steane
Co-Founder, Synergy Events
Card Payment Connect receives a referral fee from selected providers when a business chooses to switch. There is never any cost or obligation for our customers.
Businesses we help
Built for UK businesses that take card payments every day.
From independent cafés to multi-site retailers, we review setups across the businesses that keep the high street running.
Retail & convenience
High-street shops and multi-till retailers comparing card terminals.
Garages & trades
Workshops, services and trades taking card payments on-site.
Hotels & accommodation
Hotels, B&Bs and venues with PMS and online booking integrations.
Cafés
Restaurants
Garages
Salons
Gyms
Clinics
Retail shops
E-commerce
Trades & services
Hotels
Multi-site businesses
Professional services
If your business takes card payments regularly, a statement review is worthwhile, even if you've only been with your current provider for a year.
Why businesses trust our review
An independent, transparent way to check what you really pay
UK merchant statements are deliberately complex. Our role is to make yours easy to read, benchmark it against the wider market, and show you, in plain English, whether you are paying more than you should.
Independent by design
We are not tied to a single provider. Our reviews compare across the major UK acquirers and ISOs so the recommendation fits your business, not a sales target.
Line-by-line statement review
Every effective rate, authorisation fee, PCI charge, terminal rental and contract clause is checked by our payment specialists against current UK market benchmarks.
Confidential and secure
Statements are transmitted over an encrypted connection, only used for your review, and never shared with a provider without your explicit permission.
No pressure, no obligation
You receive a clear written summary of what you pay today and what you could pay. Whether you switch, renegotiate or stay put is entirely your decision.
UK-registered company
Card Payment Connect is a trading name of ICP Connects Limited (15881485), registered in England and Wales with a UK office and UK-based support.
Built on a transparent methodology
We publish exactly what we check and how we compare it, so you can see the reasoning behind every figure in your review.
Card Payment Connect is a trading name of ICP Connects Limited, registered in England and Wales (15881485). Independent introducer. Not regulated financial advice.
Why we're on your side
A provider's sales rep works for the provider. We work for you.
Our team has spent more than a decade inside UK card payments, including Paymentsense, Handepay, Payzone, Teya and Worldpay. We know how merchant pricing is built and where margin usually hides. If your setup is already competitive, we'll tell you.
A provider's sales rep
Paid to sign you up to one product. Won't tell you when another provider suits you better, or when you're already on a fair deal.
Your independent adviser
We assess what you pay today, give an honest verdict, and only recommend a move when it genuinely benefits you, then manage it end to end.
How we work
We review your whole arrangement, not just the headline rate.
A low advertised percentage can still sit inside an expensive agreement. We look at the complete picture so you can judge real value, not marketing.
What we assess
- Transaction charges across debit, credit, commercial and international cards
- Terminal rental and hardware costs
- Monthly service, minimum and authorisation fees
- PCI compliance charges and non-compliance penalties
- Contract length, renewal terms and exit fees
- Settlement times and how quickly you get your money
Doing it yourself
- • Calls and follow-ups from several sales teams
- • Quotes built on different structures, hard to compare fairly
- • Negotiating against people who do this every day
- • Contract terms and exit costs buried in the small print
Using Card Payment Connect
- ✓ One trusted point of contact from start to finish
- ✓ Independent assessment of what you pay today
- ✓ If a better option exists, we introduce the right provider and handle the quotation
- ✓ No provider is contacted without your explicit permission
Why headline percentages mislead
A quoted rate usually covers one card type only. Premium, commercial and international cards, plus authorisation, PCI and terminal charges, all sit on top. The number that matters is your effective rate. Total cost divided by total card turnover.
Already on a good deal? We'll say so.
We're not interested in recommending unnecessary switches. If your pricing is already competitive, we tell you plainly. No switch, no cost, no follow-up sales calls. You're welcome to come back in 12 or 24 months for another look as the market moves.
Statement review
See What We Review
We analyse every part of your merchant statement to identify hidden fees, compare providers and highlight potential savings.
merchant-statement.pdf
The Olive Tree Restaurant
Merchant statement · March
Card turnover
£48,200
Transactions
2,140
Transaction fees (1.35%)£650.70
Terminal rental (×2)£58.00
PCI compliance£14.99
Authorisation fees£21.40
Min. monthly service£15.00
Effective rate1.58%
30-min review
After our review
Before
1.58%
£760/mo fees
After
0.89%
£429/mo fees
Saving£3,972/yr
Illustrative example based on the statement above.
We review
- Transaction fees
- Terminal rental
- PCI charges
- Hidden fees
- Contract terms
Independent review
- Personally reviewed
- Independent comparison
- No provider contacted without permission
Card Payment ConnectFree, independent, no obligation
Get expert advice on your card processing.
Tell us a little about your business and we'll come back with an honest view of your current arrangement. Add your monthly cost and turnover if you know them, or attach a recent statement for a detailed review. Both are optional.
We will confirm the expected review time after receiving your information.
Statement upload is always optional.
- Free, no-obligation assessment
- We work for you, not the provider
- If you're already competitive, we'll say so
- No provider contacted without your permission
- Your statement is used only to assess your card-payment arrangement
Prefer to talk now?
Call for freeFrom the learning centre
Advice & insights for UK businesses
Plain-English guides on merchant statements, effective rates, contract terms and how to cut card processing costs.
Understanding Your Merchant Statement: A Line-by-Line UK Guide
A plain-English walk-through of every line on a UK merchant services statement, from interchange and scheme fees to PCI, terminal hire and the small charges that quietly inflate your effective rate.
12 min readRead article
What Is An Effective Merchant Rate?
The single most useful number to know about your card processing, and how to calculate it from any UK merchant statement.
7 min readRead article
How To Reduce Card Processing Costs
Practical, vendor-neutral steps any UK business can take to bring down card processing costs without compromising service.
8 min readRead article
09, FAQ
Common questions, answered plainly.
There isn't one. Our advice is free to you. If you decide to move provider, the provider pays us a referral fee. This does not increase your costs. If you're already on a competitive deal, we'll tell you and there's no cost either way.
No. A recent statement lets us review your real costs in detail, but it's entirely optional. We can start from a short conversation about your setup.
You'd be speaking to several sales teams, each quoting on a different structure, and negotiating alone. We give you one point of contact, an independent assessment of what you pay now, and, if a switch makes sense, we manage the quotation and switching process for you.
No. We only contact a provider if you ask us to.
No, and we don't claim to. We work with a carefully selected network of leading UK card-payment providers. Depending on your turnover, industry and transaction profile, qualifying businesses may be able to access preferential pricing through that network.
The complete arrangement: transaction charges, terminal rental, monthly and authorisation fees, PCI charges, contract length, exit fees and settlement times, not just the headline percentage.
We usually reply to new enquiries within 24 hours. Most reviews are returned within a few working days, and sooner if you've sent a statement.
Yes. Pricing and market conditions change, so customers are welcome to return every 12 or 24 months for a fresh independent check.
Yes. Your details and any statement you share are handled confidentially and are never passed on without your permission.
Card Payment ConnectSpeak to us first. Then decide.
Send a short enquiry, add a statement if you have one, or simply call. You'll get an honest view of your current arrangement, and if there's a better option, we'll manage the whole process for you. No obligation, no pressure.
Get My Statement Reviewed