💳 Are Card Machine Fees Quietly Eating Your Business Profits?
- Many UK businesses overpay for card processing.
- Small percentage differences can cost thousands annually.
- Hidden fees often include PCI, monthly minimums and card-not-present charges.
- Lower fixed business costs can improve personal borrowing power.
- Reviewing your payment setup is often quick and painless.
1 | The Silent Profit Killer
Most business owners focus on:
- Revenue
- VAT
- Payroll
- Corporation tax
Very few regularly review their card machine rates.
Yet even a 0.5% difference in processing fees can cost:
- £1,500 per year on £300k turnover
- £2,500+ per year on £500k turnover
That’s pure margin disappearing quietly.
2 | Where the Hidden Costs Sit
Common charges businesses overlook:
- PCI compliance fees
- Monthly minimum service charges
- Authorisation fees
- Card-not-present premiums
- Long contract exit fees
Many assume “that’s just the going rate.”
Often, it isn’t.
3 | Why This Matters Beyond Your Business
If you’re a sole trader or limited company director:
- Lower business costs = stronger retained profits
- Stronger retained profits = stronger mortgage affordability
- Cleaner accounts = better lender perception
Cashflow efficiency supports both your business and personal position.
4 | A Simple Question Worth Asking
When was the last time you reviewed:
- Your transaction rate?
- Your contract length?
- Your settlement speed?
- Your PCI structure?
If it’s been more than 12 months, you’re probably due a review.
📞 Want a Quick Cost Review?
This website provides information only and does not offer financial advice.
We can introduce you to specialists who can:
- Review your current card machine setup
- Compare market options
- Identify potential savings
- Explain switching clearly and simply