Pricing
The honest answer about what you'll pay.
Our standard rate is on the pricing page, with no monthly fee. If you take more than £2m a year, or want your current statement checked line by line, we price to your numbers and put it in writing, usually the same day.
Why the advertised rate is not what you pay.
Most PSPs advertise 1.5% + 20p. The advertised rate is the marketing number: it's what the simplest transaction costs before instant payout fees, bolt-ons and card-mix surcharges stack on top. The number that matters is your effective rate, and no rate card can tell you that, because it depends on your volume, your card mix and how you trade.
So we publish one standard rate, with no monthly fee, that anyone can sign up on. Above £2m a year, or with an unusual card mix, we price to your volume and put the whole number in writing before you sign.
How you get your number
Tell us how you trade
Channel, rough monthly volume, current provider. Three quick answers in the Rate Check below.
We price to your business
Your volume and your card mix, not a one-size table. A person does this, not a calculator.
You get it in writing
The whole number, usually the same day. The price on the paper is the price on the statement.
You check it yourself
Put it next to a recent statement, line by line. If we can't do better, we'll say so.
The Rate Check: what would you pay?
Three quick questions. Above £2m a year we price to your business, so the answer is yours, not a table.
What the quote covers
One number. Everything in it.
The quote you get covers the whole relationship, not a headline rate with the real costs in the appendix. What your customers pay with, how you get paid out, and the person who looks after you: all in the same number, in writing.
- Every payment method your customers use
- Payouts and settlement to your account
- A named person, not a ticket queue
- The price on the paper is the price on the statement
25%+
How much card scheme fees have risen since 2017, with no corresponding rise in service.
Where we are not the right fit
Sometimes the honest answer is somebody else.
If your card volume is small and steady, a pay-as-you-go aggregator will often beat anything we can agree, because their published rate is built for exactly that and they carry none of the cost of looking after you. We will say so on the call rather than after you have signed.
If you need settlement in several currencies, we are the wrong choice: we settle in GBP on UK rails and that is deliberate.
- Small, steady card volume: an aggregator is usually cheaper
- Multi-currency settlement: we settle GBP on UK rails only
- We tell you on the first call, not after you sign
Fair questions about pricing
Yes. Our standard rate is on the pricing page, with no monthly fee, and anyone can sign up on it. A published rate still describes the simplest payment, so above £2m a year, or with an unusual card mix, we would rather give you one real number for your volume, in writing, than leave you to work it out.
No. The price on the paper is the price on the statement. And if anything about your pricing ever needs to change, you hear about it from an account manager, with the reason, not from a surprise line you find on next month's statement.
No. Run the Rate Check or book a call, and you get your number with no obligation. Use it to check that the deal you're on is fair. If your current deal is genuinely good, we'll tell you that.
Roughly what you take each month, how you take it, and who processes it today. Nothing confidential. If you want the line-by-line comparison, bring a recent statement to the call and we'll price the same month with Synapto next to it.
Weighing up a specific provider?
Every comparison is date-stamped against their public pricing, with an honest section on when they're the better choice.
One conversation. One number. In writing.
Usually the same day, and we'll be straight with you either way.