Compare payment processors and secure the lowest credit card processing fees for your business

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Reduce your payment processor fees without the hassle

You'll only deal with us. We are not a lead generation company. No multiple sales agents. No call centres. No referring your details.

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Compare and reduce payment processing fees in 3 easy steps

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Fill in our short form 

Fill in our short form above and one of our payment experts will be in contact to confirm your requirements. You can also book a convenient callback time.

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Compare bespoke quotes

After the brief discovery call with one of our payment consultants, you’ll receive the latest and most competitive quotes tailored to your specific needs.

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Select the best offer & switch

Compare offers from our tried and tested providers and decide which is the best for your business.  If you proceed, we’ll support you through the life of the contract. 


Lower your card processing fees on all sales channels

Whether you want to accept payments in person, online or over the phone we can help you find the best solution for your business.

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In Person

Accept credit cards and digital wallets on card terminals right for your business

At the table with a portable machine connected via Wi-Fi, Bluetooth or 3G

On the go with a mobile machine using a SIM card with 3G or GPRS

With a countertop terminal connected to a phone line or broadband router

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Browser-based checkouts for desktops, tablets and mobiles 

Hosted by the payment processor or integrated into your website via an API

Integrate with your existing payment gateway or ecommerce platform

Take international payments and process payments in local currencies

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Take payments over the phone securely via a virtual terminal

Process electronic payments via telephone, email, mail order

No website required - use the virtual terminal on a mobile, tablet or PC

Fully PCI compliant with Address Verification System (AVS)

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Why use Merchant Savvy

Preferential card processing rates

Our buying power and long-established relationships with merchant service providers mean we can secure your business preferential payment processing rates.

One Point Of Contact

You will only deal with us until you make a decision on the best route forward. That means no annoying calls, texts or emails from multiple merchant service providers or call centres.

Market Access

We have access to 90% of the UK’s leading acquiring banks and can save you weeks of hassle obtaining bespoke quotes and negotiating terms.

Quotes You Can Easily Compare

Our quotes will be formatted so you can easily compare fees and savings across providers. They will also be unbiased. Whilst we have our preferred payment providers, we are independent and have no allegiance to any of them.

Expert Payment Processing Advice

Each of our payment consultants has years of experience negotiating fees, scrutinising contracts and communicating with merchant service providers. We’ve advised thousands of businesses with annual turnovers ranging from below £25K to over £350 million.

Provider & Contract Due Diligence

Avoid being overcharged, rate increases mid-contract, additional charges not highlighted before signing up, poor after-sales service, punctuative exit penalties or roll-over agreements that stop you from giving 30 days notice at the end of the agreement.


Payment solutions for every business model

We’ve advised thousands of businesses of all types in a wide range of sectors including those below.

Reduce your payment processing fees when taking payments in-store and when you sell your products online.

Whether your retail business sells in-store, digitally or both, Merchant Savvy is here to find flexible and low-fee payment solutions for retailers.

Our payments experts can secure you lower card processing rates for payments taken on card machines, EPOS systems, ecommerce platforms and payment gateways. We can also help you get set up with the right hardware or switch suppliers.

From bars and pubs to hotels and restaurants. We can lower your fees on all types of card terminals (countertop, mobile and portable) as well as integrated EPOS systems.

We’ve helped hundreds of new and established hospitality businesses reduce their card processing fees and find the right card machines. Cut down on fees, reduce the complexity of your contracts and find a payment partner that can scale with your business.

No matter what digital platform you’ve built on (or plan to) we can secure very competitive rates for accepting card payments online.

Whether you’re a large multi-national brand looking to investigate if more competitive rates are possible, or a startup launching their online business, our payments experts can help. We can find a payment provider that can integrate with your existing set-up whilst lowering transaction fees and offering better contract terms. We can also help you get set up if you are just starting out.  Ecommerce solutions are always evolving with advances in technology and changes in customer behaviour.

Are you looking to accept credit cards for your small business and are not sure of the best solution? We get it.

Comparing providers and fees is time-consuming and confusing. That’s why Merchant Savvy is here.

Our payment experts will find you the lowest processing fees from a payment processor that is a good fit for your specific business. You can then focus on growing your business whilst keeping more of your hard-earned revenue.

If your business is struggling to get a standard merchant account and is deemed high risk you have fewer providers to choose from and are likely to pay higher card processing fees.

We can help you get approved for a reputable high risk merchant account provider providers and keep these fees to a minimum.

We’ve advised hundreds of businesses deemed high risk including travel agencies, debt management agencies, lenders and crypto exchanges.

What we will do

What we won't do

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Here are some of our latest reviews from businesses that we’ve helped