Headline rate1.39%
True monthly cost£214
The costs no longer feel right
Many businesses have a rough idea of what they pay, but not a clear picture of the true monthly cost once all the additional charges are factored in.
Services · Merchant Services
Merchant services that fit the way your business actually trades
A lot of businesses are still using payment setups they chose years ago, often without revisiting whether those systems still suit the business today. That can mean overpaying, dealing with poor reporting, relying on slow machines, or staying tied into a setup that no longer makes sense.
No Contract
£0 Terminal Rental
Next-Day Settlements
UK-Based Support
Card processing statementMarch
Terminal rentalwhy?£29.00
PCI compliance fee£9.95
Authorisation fees£14.40
Minimum monthly service£5.00
Transaction fees · 1.79%over the odds£212.30
Paid last month£270.65
Reviewed line by line, with NEOM
NEOM found
£3,048 / year
Same service. The right deal.
Why Businesses Review Their Merchant Services
Chosen years ago. Never looked at since.
A lot of businesses are still using payment setups they chose years ago, often without revisiting whether those systems still suit the business today.
Reconnecting…Card machine offlineQueue building
The service is no longer helping the business
A merchant services setup should make the business easier to run, not create more admin, poor visibility, or operational friction.
Then · 1 tillNow · 3 sites+ online orders
The business has moved on
What worked when the business was smaller may not be the right fit now that turnover, staffing, or the number of locations has changed.
Why Businesses Switch With NEOM
Five reasons businesses make the move.
NEOM · Pricing
Zero terminal rental
Monthly rental on card machines can quietly eat into margin, especially when a business is operating more than one terminal.
£0
Terminal rental with NEOM
No rental. No PCI add-ons. No admin fees.
Terminal rental£29.00
2nd terminal£29.00
PCI & admin£14.95
Machine costsTypicalWith NEOM
Jan£72.95£0
Feb£72.95£0
Mar£72.95£0
Apr£72.95£0
May£72.95£0
Jun£72.95£0
Kept in the business / yr
£876+
£72.95 kept every month vs a typical rental setup.
Next-day settlements, seven days a week
Getting paid tomorrow instead of waiting several days can make a real difference to cash flow, especially for businesses with regular stock, staffing, and supplier pressure.
Card payment taken
Today · 5:40pm
£3,420 in your bank
Tomorrow · 9:00am
No contract
Many businesses are tired of being tied into agreements that no longer suit them, which is why flexible no-contract options are such a strong advantage.
Typical contract18 months
With NEOMRolling · cancel anytime
No lock-in, no exit fees
Free replacement terminals
If a terminal fails, the priority is getting the business back up and running quickly, without extra cost or unnecessary downtime.
Replaced free£0 downtime
UK-based support
When there is a problem, businesses want fast answers from a support team they can reach easily and actually understand.
N
Your NEOM contact
Coventry · replies in minutes
Hi, I’ll get that sorted for you today.
See it in your own numbers
Run your current setup through the savings calculator and see what a better merchant services deal could return.
Why Use a Broker Instead of Going Direct?
One provider sells you one answer. We compare them.
We compare multiple providers
Going direct means you are usually being sold one provider’s solution, whether it suits your business properly or not. We compare the available options and help you choose the right fit.
We are not tied to one solution
Because we are not locked into pushing one single product, we can focus on what actually works best for your business, your turnover, and the way you take payments.
We stay involved after setup
A lot of providers are helpful while they are trying to win the account, then much harder to deal with once you are live. We stay involved and remain a useful point of contact after the setup is done.
We look at the full picture
The right choice is not just about headline rate. It is about reporting, settlement speed, support, flexibility, reliability, and overall fit for the business.
What We Review
Three things, looked at properly.
01
How you currently take payments
We look at whether your business needs face-to-face, over-the-phone, payment link, app-based, online, or multi-location support.
02
What you are actually being charged
We review the wider cost structure rather than just the advertised rate, so you can see the real picture.
03
How well the system works in practice
A setup might look fine on paper but still create delays, poor reporting, or unnecessary day-to-day hassle.
What a Better Merchant Services Setup Can Deliver
See How Your Setup Could Improve
Better value, reporting, support and fit.
Monthly Statement
Transaction fees£180
No hidden charges
£0 rental£0 PCI fees£0 auth charges£0 admin fees
Total Monthly Cost£180
Better value
A stronger setup can often reduce cost while removing fees that add very little value to the business.
Approved
£9.86
Complete in 2 seconds
Shorter queuesLess waiting, happier customers
Better fit
The right merchant services solution should reflect how your business actually trades, not force you to work around a system that was never built for you.
£ Today’s Sales
£1,247
+18% vs yesterday
⚡ Transactions
124
Updated now
Sales Activity
Better reporting
Clearer reporting saves time, improves visibility, and makes life easier for owners, managers, and accountants.
Settlement sent to your bank
PCI compliance handled
Monthly statement ready
Nothing needs your attention today
Better support
When something goes wrong, it matters how quickly it is dealt with and whether you have someone useful to turn to.
See What You Could Save
Your numbers. Your saving. No guesswork.
Move the sliders to match how your business trades today, and we’ll estimate what a better setup could save you, based entirely on your figures.
Tell us about your setup
Everything stays on this page. Nothing is submitted.
£30,000
£2k£120k
1.90%
0.90%3.00%
£29
£0£150
Estimated annual saving
Estimate
£0
That’s about £0 back in the business every month.
Effective rate 1.90% to about 1.15%, plus £0 rental.
Get My Exact Saving
An illustrative estimate based on the figures you enter and a typical NEOM setup. It is not a quote. Real savings depend on your provider, card mix, and setup, and Colin will confirm the exact number with you after a quick review.
FAQs
Merchant services, answered.
Still unsure about something? A quick chat usually clears it up faster than a form.
Talk to an expertMerchant services cover the systems and support a business uses to accept card payments and manage payment processing.
Yes. Most businesses we speak to already have a provider and simply want to know whether a better option exists.
Because not every provider suits every business. A broker helps you compare properly, avoid the wrong fit, and still gives you someone useful to deal with after setup.
Yes. We guide businesses through the process and help make the change as smooth as possible.
Yes. Flexible no-contract options are available in many cases, which gives businesses more freedom and less risk when switching.
Not necessarily. One of the key things we look for is how to remove unnecessary terminal rental where possible.
Case Studies
Helping local businesses run better.
Fees cut by
46%
KENILWORTH · was on Dojo
The Rocking Horse Coffee Shop
Problem. On a fixed contract with limited reporting, the café wanted simpler admin and room to stay flexible.
What we did. Moved them to Teya with clear takings reporting and no contract.
Fees cut by
30%
COVENTRY · was on Dojo
Purdy’s Pet Shop
Problem. Wanted transparent pricing, quicker settlement, and payments that talk to the EPOS till.
What we did. Teya with EPOS integration and 7-day settlement, so sales reconcile cleanly.
Fees cut by
50%
COVENTRY · was on SumUp
Coventry Mobile Bars
Problem. Signal drops at events were costing bar sales, and slow settlement squeezed cash flow.
What we did. Shift4 with connectivity that holds up at events, plus faster settlement.
Fees cut by
35%
COVENTRY · was on Worldpay
The Jacobean Hotel
Problem. Rooms, bar, restaurant and events ran on disjointed tills, with no clean way to hold deposits.
What we did. Teya EPOS across every outlet, pre-authorisation for deposits, and clear reporting.
Fees cut by
30%
LEAMINGTON SPA · was on Dojo
The Hope
Problem. Tied into rental on terminals they wanted to own, paying more than they realised.
What we did. Removed rental with owned terminals and added 0.5% cashback on business spending.
Fees cut by
40%
COVENTRY · was on Dojo
Kasbah
Problem. Packed club nights meant any slow or dropped terminal at the bar cost serious money, with little clear reporting behind it.
What we did. Teya with fast, reliable payments, lower fees on high volumes, and reporting that makes sense of big nights.
Fees cut by
30%
COVENTRY · was on Dojo
HMV Empire
Problem. Bar service during live events needed faster, dependable terminals, with hundreds wanting served at once.
What we did. Rapyd with quick, reliable card payments built for high-volume live-music nights.
Fees cut by
35%
RUGBY · was on Clover
Hunts Bookshop
Problem. Wanted lower costs, a dependable till and clearer reporting to keep an independent shop’s margins healthy.
What we did. Rapyd with reliable payments, user-friendly reporting and lower fees on every sale.
Fees cut by
25%
COVENTRY · was on Barclaycard
Ivy House
Problem. Busy events brought slow terminals, long bar queues and processing costs that crept too high.
What we did. Shift4 with fast, reliable payments and connectivity that holds up when the venue fills.
Fees cut by
30%
COVENTRY · was on Dojo
Keresley News
Problem. Processing fees were eating into tight margins on low-value sales like papers and confectionery.
What we did. Teya with lower-cost, reliable payments suited to high-frequency, small-ticket retail.
Real NEOM client switches. Each figure shows how much the business cut its card processing fees by. Read the full story behind each one.
See what you could save.
No pressure and no jargon, just a straightforward conversation about your business and what you’d like to improve.