Card fees · Independent advice
Most independent restaurants are quietly overpaying.
Send us a recent merchant statement and we will come back the same day with a side-by-side comparison against your current provider. Indicative 20–35% savings on card processing; the exact figure depends on your mix.
Why this is happening
Most independents on Paymentsense, Dojo or Worldpay assumed their rates were competitive and never broke them down. The blended numbers on a quarterly statement hide what is actually being charged on debit, credit and business cards — and the gap between those rates and what an interchange-plus deal costs is widest for low-ticket hospitality.
Rate rises mid-contract are the second pain point. Several recently switched merchants moved after a 0.10% to 0.30% hike applied without warning, despite a fixed-term contract.
What we do
Read your statement, line by line
We extract debit, credit, commercial card and auth fees from your last full month and rebuild the cost on an interchange-plus deal with Clover.
Quote on paper, same day
No discovery call required. Reply to our follow-up with a statement; you get a written comparison back inside one business day.
Switch when you choose
Most restaurants stay on Clover Flex hardware. Switching is one MID change handled by us — no till disruption.
Why merchants switch
Real switches
£—
Live merchant book
awaiting sign-off
—%
Avg saving vs prior provider
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Independent restaurants on Clover via us
awaiting sign-off
Rate calculator
A rough cut, before you send a statement
Drag the sliders to your card turnover and the Clover Flex monthly price you would like. The gauges show the rates you are likely to land on after a statement review.
Adjust the sliders for your card turnover and Clover Flex monthly terminal price
Indicative interchange+ rates for a Clover Flex on our standard merchant plan. Final pricing is confirmed on your signed agreement.
Send a statement
Send your last statement
Drop your business details and we will reply with the address to send a statement to — or upload it via the chat assistant in the corner.
Office
+44 1442 899 544WhatsApp
+44 7308 842 251Email
hello@thepaymentsexpert.com
Questions we get a lot
- Do I have to change my till or POS?
- No. Clover Flex sits alongside your existing till, or replaces it if you would like — either way, your menu and reporting are not touched on the till.
- What about my existing contract?
- Most Paymentsense, Dojo and Worldpay contracts have break clauses inside the fixed term — we look at the wording before you commit to switching. There is no point quoting you a saving you can't take.
- Can you fix the rate so I am not hit by a mid-term rise?
- Yes. Our standard merchant agreement guarantees no rate increases for the duration of the contract — your savings stay banked.
- Buffets, weddings and offsite catering?
- Card-not-present revenue from catering does need to be declared during onboarding so the right risk profile is set up. We walk you through that once your statement comes back.
- How long does the switch take?
- From signed agreement to new terminal on the counter is typically five to ten business days. We schedule the cutover for a quiet trading window.
Bring us a recent statement.
We will tell you, in writing and same-day, whether you are paying too much. If you are not, we will say so.