Stripe and your bank's card machine take a flat cut of every sale — and bury their margin inside it. We operate our own payment gateway, so you pay transparent interchange-plus instead. Lower fees, online and in person, integrated for you. We undercut every card terminal in the country.
Stripe, SumUp, Square and the high-street banks all charge a blended flat rate — one number that quietly bundles the wholesale card cost together with their profit. We charge the wholesale cost plus one stated margin, so you can see exactly what you're paying. Here's how the published rates stack up.
A business turning over €50,000/month on cards, ~1,000 transactions.
Competitor figures are each provider's standard published rates (correct at time of writing; your contracted rate may differ). *Our figure is illustrative for a typical EEA card mix — there is no single published rate that fits every business, which is exactly the point. We quote your real number against your actual volume and card mix on a 20-minute call, and if we can't beat what you pay now, we'll tell you.
Typical reduction in total card costs after switching from a flat-rate processor.
Lock-in. No multi-year terminal rental contracts holding your business hostage.
One gateway for online, recurring and in-person — one rate conversation, not three contracts.
If you're processing real volume on a flat rate, building something that needs to take cards, or juggling a website processor and a separate bank terminal — this is built for you.
Clinic, salon, gym, restaurant, e-commerce shop — you're putting €30k, €50k, €100k a month through cards. At a 1.5%–1.75% blended rate, that flat percentage is one of your largest fixed costs and it scales linearly with success. Every euro of growth hands the processor more margin you never agreed to.
Transparent interchange-plus flips that. You pay the real wholesale cost plus one stated margin. The bigger your volume, the wider the gap between what you pay now and what you'd pay us.
You don't just need a "buy button." You need a checkout that matches your brand, passes 3-D Secure for every EU and UK card, vaults cards for repeat purchases, and runs subscriptions without breaking when a payment retries. Most teams reach for Stripe by default and accept the flat rate as the cost of moving fast.
We build payments in as the layer we own — the same gateway, integrated into your site or app, on a rate you'll actually want as you scale. No bolt-on, no second integration later.
Your online sales go through one provider and your in-person sales through a card machine on a different contract with different fees, different statements, and different settlement times. Reconciling the two is a monthly headache and neither rate is as good as it would be combined.
One merchant account covers all of it — online checkout, pay-by-link invoices, recurring billing and in-person terminals including Tap to Pay. One rate, one set of reporting, one number to call.
Everything you need to take money — online, recurring and in person — on one gateway we operate and integrate for you.
Card fields embedded in your own site, styled to your brand. Tokenised so card data never touches your servers — lowest PCI tier.
A secure hosted pay page or a pay-by-link you email out. Live this week, zero code on your side.
Mandatory EU/UK strong customer authentication built in, with fraud screening and AVS on every transaction.
Native plans, trials, automatic retries on failed payments, and SCA-compliant merchant-initiated charges.
Securely store cards for one-click repeat purchase and "charge them next month" billing.
Card terminals and contactless-on-phone on the same account as your online sales. One rate, one report.
Real-time payment notifications and nightly reporting exports — straight into your accounting or our automations.
Digital wallets enabled out of the box for faster mobile checkout and higher conversion.
This isn't a pivot. Payments and merchant services are a space we work in and ship for.
The processing rate is the saving — and it's quoted on your real volume, because no honest single number fits every business. The integration around it is scoped on the same call.
Both start with the same 20-minute call. Bring a recent processing statement if you have one — it's the fastest way for us to show you the saving in real numbers.
Book a 20-minute call. Bring a recent processing statement and we'll work out your true effective rate, quote you ours, and show you the monthly saving in real numbers. If we can't beat what you pay now, we'll say so.