Industries we cover

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  Cafés and takeaway

  Small average sale, very high volume. A fixed per-tap fee hurts here more than anywhere, so routing matters most.

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  Retail and grocery

  Mixed card types and a wide basket range — where a blended rate quietly stops being competitive.

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  Pubs and restaurants

  Table service, tipping and split bills make POS integration matter more than the headline rate.

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  Trades and services

  High average invoice, low transaction count. The percentage rate dominates and a monthly fee barely registers.

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  Hair and beauty

  Appointment software, deposits and no-show fees, often taken card-not-present at a different rate.

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  Mechanics

  Large invoices, some commercial cards, and often a deposit taken over the phone.

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  Fuel stations

  Pay-at-pump runs on pre-authorisation, and cents-per-litre margins mean the percentage rate decides the site's profitability.

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  Car parks

  Unattended terminals, thousands of small taps, and no one on site when one stops settling.

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  Car washes

  Small average sale at high volume, mostly unattended — the per-transaction fee matters far more than the rate.

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  eCommerce

  Card-not-present pricing, gateway fees and chargebacks are a different conversation from a terminal rate.

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  Charities and not-for-profit

  Donation flows, recurring giving, and arrangements worth asking about rather than assuming.

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  Transport and logistics

  Mobile acceptance, fleet cards and payment on delivery rather than at a counter.

The category is a starting point, not the answer. What you actually pay comes off your own statement — which is the part we do.