If We Can't Save You Money, We Won't Sell You Anything.
That's the promise. No mystery line items, no padded rates — just clear card machine prices, Interchange++ explained simply, and a free rate review that proves it.
No Hidden Fees. We Mean It.
The big processors make their margin in the gaps you never check. Here's everything you'll never see on a bill from us.
Interchange++, Explained Simply
Every card payment is made of three parts. Most providers blend them into one padded rate. We show you all three — so you always know what you're paying and to whom.
Interchange
Set by the card networks (Visa, Mastercard) and paid to the bank that issued your customer's card. Nobody — not us, not the big processors — can change this. It's the wholesale cost.
Scheme fees
A small fee the card schemes themselves charge for using their network. Again, fixed and the same for everyone.
Our margin
The only part anyone actually adds. With Interchange++ you see our margin as one clear, agreed number — not blended away inside a single padded rate.
The honest bit: interchange and scheme fees are identical for everyone. The only real difference between providers is the margin — so make sure you can actually see it.
What's Always Included
Things other providers charge extra for — included as standard, for every business we look after.
PCI compliance — free
Most processors charge £3–£10 a month for this, plus 'non-compliance' fines. With us it's included, with guidance to keep you covered.
Next-day settlement
Your money in your account the next working day on every transaction — better for your cash flow, at no extra cost.
Real local support
A real person in the North East answers the phone. No tickets, no overseas call centre, no hold music for an hour.
Plain-English statements
One clear rate, itemised properly. You can read your bill and know exactly what you paid and why.
Pick The Setup That Fits
Terminal, EPOS or online — clear card machine prices with the same transparent transaction pricing behind them. Final figures depend on your turnover and card mix; your free rate review confirms them.
Prices shown are illustrative starting points and exclude VAT. Your exact rate depends on your card turnover and transaction mix — we confirm it free, with no obligation.
See Where The Savings Hide
Here's a typical North East café taking £12,000 a month on card. Same turnover, very different bill — once the padding and hidden fees are stripped out.
Estimated monthly saving
£94.49
That's over £1,130 a year — back in the business, not the processor's pocket.
Illustrative example for comparison only. Your actual figures will vary — your free rate review reads your real statement.
Pricing Questions, Answered
Straight answers about how our card processing fees work.
What does Interchange++ actually mean?
It's the most transparent way to price card payments. Your fee is split into three visible parts — interchange (paid to the card issuer), scheme fees (paid to Visa/Mastercard) and our margin. You can see exactly what each part costs, rather than one blended rate that hides where your money goes.
Are there really no hidden fees?
Yes. No PCI charges, no statement fees, no surprise annual reviews and no padded 'non-compliance' fines. We make our money from one clear, agreed margin — that's it. Everything is itemised in plain English.
Is PCI compliance really free?
It is. Most providers charge a monthly PCI fee and fine you if your paperwork lapses. We include compliance and the guidance to keep you covered at no extra cost.
How fast is settlement?
Next working day on every transaction, as standard — not three days, and not an upgrade you have to pay for. It makes a real difference to your cash flow.
Will I be tied into a long contract?
We earn your business with fair pricing and real support, not lock-in. We'll always show you the terms in plain English before you commit to anything.
How do I know what I'll actually pay?
Send us a recent card-processing statement and our free rate review shows you, line by line, what you pay now and what you'd pay with us. No guesswork and no obligation.