Are You Overpaying on
Payment Processing?
Most businesses are paying 30-40% more than they should due to hidden charges. Our free review reveals exactly what you're losing and how to save thousands annually.
Comprehensive Payment Processing Analysis
Uncover hidden costs and discover better alternatives
Payment Processing Savings Calculator
Discover hidden charges and uncover thousands in savings
Free Rate Review
Submit your last 3 months of processing statements and receive a detailed analysis of where you're being overcharged—completely free with no obligation.
Hidden Charge Detection
We identify PCI compliance fees, statement charges, gateway fees, authorization fees, and other costs that many businesses don't even know they're paying.
Savings Comparison
See side-by-side comparisons showing exactly how much you could save with different rate structures and payment methods like Pay by Bank.
Visual Savings Examples
Based on £100,000 annual card payment volume
High Rate
Common for small businesses
Annual Cost Breakdown:
Medium Rate
Negotiated rates
Annual Cost Breakdown:
Save £1,000/year vs High Rate
Competitive Rate
Optimized pricing
Annual Cost Breakdown:
Save £1,900/year vs High Rate
Save £900/year vs Medium Rate
Annual Cost Comparison Summary
| Rate Structure | Annual Cost | Savings vs High |
|---|---|---|
| 2.5% + £0.20 auth | £2,540 | — |
| 1.5% + £0.20 auth | £1,540 | £1,000 |
| 0.6% + £0.20 auth | £640 | £1,900 |
* Based on 200 transactions of £500 average value = £100,000 annual volume
Card Processing vs Pay by Bank
Understanding variable fees vs flat fees for better cost predictability
Card Processing
Variable Fee Structure
Example: 1.5% + £0.20 per transaction
Pay by Bank
Flat Fee Structure
Example: £1.00 per transaction (regardless of amount)
For 200 transactions:
Save £2,340/year vs 2.5% rate!
Save £1,340/year vs 1.5% rate!
💡 Which Payment Method Should You Use?
Card Processing Best For:
- • Small transaction values (< £100)
- • Consumer payments
- • Instant authorization needed
- • International payments
Pay by Bank Best For:
- • Large transaction values (> £500)
- • B2B payments
- • Recurring payments
- • Cost predictability required
Hidden Charges to Look For
These common fees are buried in statements and cost businesses thousands annually
PCI Compliance Fees
£5-£50/month
Charged even if you\'re already PCI compliant. Many businesses pay this unnecessarily.
Annual Impact: £60-£600
Statement Fees
£10-£45/month
Charged for paper statements even if you access online reports. Often hidden in fine print.
Annual Impact: £120-£540
Gateway Fees
£15-£60/month
Monthly fee for payment gateway access, sometimes charged in addition to transaction fees.
Annual Impact: £180-£720
Minimum Monthly Fees
£25-£150/month
Charged even when you process enough volume. Often forgotten and automatically debited.
Annual Impact: £300-£1,800
Chargeback Fees
£15-£50 per chargeback
Charged regardless of chargeback outcome. Some processors charge even if you win the dispute.
Variable impact based on disputes
Account Maintenance
£10-£35/month
Vague "account maintenance" charges with no clear service provided.
Annual Impact: £120-£420
Batch Processing Fees
£0.10-£0.50 per batch
Charged daily for submitting transactions for settlement. Can add up quickly.
Annual Impact: £36-£180
Regulatory Fees
0.02-0.10% of volume
Passed through "regulatory" fees that may be inflated or duplicated.
Annual Impact: £20-£100
Rate Markup
0.3-0.8% above interchange
Processors add markup on top of actual card scheme costs. This is where major savings hide.
Annual Impact: £300-£800 (or much more)
Total Potential Hidden Charges
Conservative Estimate:
£836 - £4,360
per year in unnecessary fees
Plus rate markup on £100k volume:
£300 - £800
Total: £1,136 - £5,160+
And this is just for £100k annual volume!
Why Pay by Bank Wins for Larger Payments
The difference becomes dramatic with higher value transactions
| Payment Amount | Card @ 1.5% + £0.20 | Pay by Bank £1.00 | Your Saving |
|---|---|---|---|
| £500 | £7.70 | £1.00 | £6.70 |
| £1,000 | £15.20 | £1.00 | £14.20 |
| £5,000 | £75.20 | £1.00 | £74.20 |
| £10,000 | £150.20 | £1.00 | £149.20 |
| £50,000 | £750.20 | £1.00 | £749.20 |
The Tipping Point
For payments over £67, Pay by Bank becomes cheaper than 1.5% card processing
£67 × 1.5% + £0.20 = £1.00 + £0.20 = £1.20 vs £1.00 flat
Don't Know What You Can Save?
We can find out for you—completely free
Here's How It Works:
Submit Your Last 3 Months of Processing Statements
Email, upload, or send us copies—whatever works for you
We Analyze Every Line Item
Our experts review rates, fees, hidden charges, and identify all overcharges
Receive Your Personalized Savings Report
Get exact figures showing what you\'re overpaying and how much you could save
FREE
No charge for review
24-48hrs
Turnaround time
ZERO
Obligation to switch
No credit card required • Results in 24-48 hours • 100% confidential
More Hidden Charges to Watch For
💳 Non-Qualified Transaction Fees
Certain card types (rewards cards, business cards) may be charged at higher "non-qualified" rates—sometimes 1-2% higher than your quoted rate.
Look for: "Mid-Qualified" or "Non-Qualified" line items
📞 Voice Authorization Fees
When you call for payment authorization (common in phone orders), you may be charged £1-£3 per call on top of regular processing fees.
Look for: "Voice Auth Fee" or "Manual Auth Charge"
🔄 AVS/CVV Verification Fees
Address Verification Service and CVV checks may be charged separately at £0.05-£0.15 per transaction.
Look for: "AVS Fee" or "CVV Verification"
📊 Early Termination Fees
Many contracts include hefty early termination fees (£500-£5,000+) if you switch providers before the contract ends.
Look for: Contract length and termination clauses
🌍 Cross-Border Fees
International or foreign-issued cards often incur additional fees of 1-3% that aren\'t clearly disclosed.
Look for: "Cross-border" or "International" fees
🔐 Retrieval Request Fees
When cardholders request transaction information, you may be charged £10-£25 per retrieval—even before it becomes a chargeback.
Look for: "Retrieval" or "Information Request" fees
Payment Protection Built In as Standard
Unlike other payment gateway services, Paytia enables your business to benefit from a suite of payment capture solutions that always ensure your customers, staff, and business brand remain protected—no matter how you allow customers to pay.
ONLINE
Web payments
TELEPHONE
Phone payments
CHAT
Live chat payments
VIDEO
Video call payments
Discover how Paytia protects your business across all payment channels
Frequently Asked Questions
Stop overpaying on payment processing
Submit your statements today and discover your hidden savings within 48 hours
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