Find out what your card payments really cost.
Send us a recent card statement and we’ll break down exactly what you pay, including the fees that never appear in the headline rate. It’s free, with no obligation.
What we look at
Card statements are hard to read on purpose. We go through yours line by line and turn it into a clear picture of what you’re paying.
- Your overall blended rate
- Rates for each card type
- Debit vs credit cards
- Consumer vs business cards
- American Express
- International cards
- Phone and online payments
- Average transaction value
- Monthly card turnover
- Every extra fee
Fees that often go unnoticed
Authorisation fees
A small charge on every transaction that adds up fast if you take lots of small payments.
Monthly minimums and service charges
Fixed fees you pay every month, however much or little you take.
PCI compliance fees
Charges for card security compliance, sometimes with extra penalties if paperwork isn’t completed.
Terminal rental
What you’re paying each month for the machine itself.
Higher rates on some cards
Business, premium and international cards often cost much more than the headline rate.
Refund and chargeback fees
Charges when payments are refunded or disputed.
How it works
Send us a statement
A recent monthly statement from your card provider. A PDF or a clear photo is fine.
We break it down
We work out your true overall rate and highlight any fees worth questioning.
You decide
We show you how it compares with other options. If your current deal is good value, we’ll tell you.
Please don’t send full card numbers
We never need them for a review. Card statements don’t include them, so your statement on its own is all we need.
Fee review questions
Is it really free?
Yes. There’s no charge and no obligation to switch.
What do I need to send?
A recent monthly statement from your card provider. If you have a few months’ worth, even better.
What happens to my statement?
We only use it to prepare your review. See our privacy policy for details.
I’m still in a contract. Is it worth checking?
Yes. We’ll help you check whether there’s an exit fee, so you can see whether switching makes sense now or later.
Get your free fee review
Send us a recent statement or get in touch and we’ll do the rest.