Card processing fee checker
Card fees are one of the most confusing bills a business pays, and one of the most overpriced. Enter your turnover and fees to see the true rate you are paying and what you could save.
The rate you actually pay
Providers quote a headline rate, then add fees, charges and markups on top. The number that matters is your effective rate.
One honest number
We work out your effective rate, the true percentage of your card takings that disappears in fees.
A clear benchmark
See how your rate compares to a competitive one, so you know if you are overpaying.
A guaranteed switch
OptiFlow Watch confirms the numbers on your statement and moves you to a better deal, with a saving guaranteed.
Check your effective rate
Take both figures from a recent statement. Include every fee in the monthly figure for the truest result.
a year you could save on card processing
Your effective rate is the true percentage you pay once every fee is counted. Many businesses on older deals sit well above a competitive rate without realising.
Indicative estimate only. A competitive rate varies by business type and card mix. Your real saving depends on your current agreement.
How the numbers work
Your effective rate is simply your total monthly fees divided by your monthly card turnover, shown as a percentage. It captures everything, not just the headline rate a provider advertises.
We compare that to a competitive effective rate and apply the difference across a year to estimate what a better deal could save. Businesses on older or bundled agreements are often surprised how far above the market they sit.
Common questions
What is an effective rate?
It is the true percentage you pay once every fee is included, worked out as total fees divided by card turnover. It is the fairest way to compare providers.
Why is my rate higher than the headline?
Because the headline rate ignores authorisation fees, terminal rental, minimum charges and markups. The effective rate counts them all.
Which businesses does this suit?
Any business that takes card payments, from a shop or salon to a trade counter or online store.
How does OptiFlow Watch save me money?
Watch reads your actual statement, finds a better provider and handles the switch for you, with a saving guaranteed.
Do I have to change my card machine?
Often not, and where a change helps, Watch manages it. You are never left to sort it out alone.
What does the service cost?
OptiFlow Watch is a flat £49.99 a month and covers all your business bills, not just card fees.
More on cutting your bills
Stop overpaying on card fees
Let OptiFlow Watch check your statement and switch you to a better rate, with a saving guaranteed.