Are you paying too much to take card payments?
Check my rates
Tell us a little about your business and a real person will call you to take it from there.
More than £60,000 a year saved by moving to a different provider
One of our customers sent us three months of card statements. We benchmarked what they were paying, took the numbers to the providers we work with, and moved them to one that offered a better rate on every line that mattered. Same cards, same customers, same money arriving in the bank. More than £60,000 a year less in fees.
Why this works
Most businesses agreed their card rates once, years ago, and haven't looked since. The rates crept up. New charges appeared on the statement with names nobody explains. Your provider has no reason to ring you and offer less.
We've spent more than a decade working with the companies that process card payments, so we know what they charge and what they'll agree to when someone who knows the market asks.
Why we can get you a better rate
More than £400 million in card payments has gone through Paytia since 2016. The providers know us, they know the businesses we bring them, and they price accordingly. That's buying power a single business doesn't have on its own.
We work with the big card processors every day: Worldpay, Barclaycard, Elavon, Global Payments, Lloyds Cardnet, Tyl by NatWest, Adyen, Stripe, PayPal, Trust Payments and others. We know what each one charges, which of them wants a business like yours this quarter, and how far each will move when asked.
We read the whole statement, not the headline rate. The cost of taking cards hides in the lines nobody looks at: authorisation fees, premium and commercial card surcharges, scheme and interchange fees, terminal rental, minimum monthly charges, PCI non-compliance fees and the way refunds are billed. A provider that quotes a low headline rate can still cost you more once those are added up. We add them up.
And we don't sell card processing ourselves, so we have no rate of our own to push. We can put the same statements in front of several providers and let them compete for you.
Who it's for
Any business taking card payments, in person, online or over the phone. The more you take by card, the more there is to save, so it's most worth doing if cards bring in a few hundred thousand pounds a year or more. Smaller than that and we'll still look.
You don't need to be a Paytia customer, and you don't need to take payments over the phone. If you pay card fees, this is for you.
Four steps, and you're in charge of the last one
- 1
Send us three statements
Your last three monthly statements from whoever handles your card payments. PDFs are fine, and so are photos if that's all you have.
- 2
We read every line
You get a plain summary of what you pay now, including the charges that are easy to miss, and what you should expect to pay instead.
- 3
You see the offer in writing
If we can beat it, we show you the new rate with the saving worked out after any cost of leaving your current provider.
- 4
You decide
If you go ahead we handle the switch with you. If you don't, you keep the summary and owe us nothing.
How we get paid
You don't pay us. If you switch, your new provider pays us a commission for introducing you, and that's the only money we make from this. We'd rather tell you now than have you wonder later.
It also means we earn nothing by telling you to stay where you are. Sometimes that's the right answer, and when it is we'll say so.
Send us your details and a real person will call you to take it from there.
Questions people ask
Will switching disrupt my payments?+
It shouldn't. The changeover is planned so there's no gap, and your customers won't notice anything different.
I'm in a contract. Is there any point?+
Often, yes. We work out the saving after any exit fee, so you'll see whether it's worth moving now, or worth a note in the diary for when the contract ends.
What do you do with my statements?+
We use them to work out your rates and nothing else. We don't pass them on without asking you first, and we delete them if you ask us to.
Do I have to change my card machines or website checkout?+
It depends on who you move to. We'll tell you before you decide, and any cost of changing is counted in the saving we show you.
What if you can't save me anything?+
Then we'll tell you that, and you'll know your rates are fair. That's worth having too.
How does Paytia get paid for this?+
You don't pay us. If you switch, your new provider pays us a commission for introducing you, and that's the only money we make from it. We earn nothing by telling you to stay where you are.