Reduce your card processing fees
Every card payment you take carries a fee, and the real rate is rarely the one you were quoted. OptiFlow Watch reads your merchant statements, finds your true cost and guarantees a saving, for a flat £49.99 a month.
The rate you were quoted is not the rate you pay
Card processing looks simple, a small percentage on each sale, but the effective rate you actually pay is buried under layers of charges. On top of the headline rate sit authorisation fees on every attempt, a monthly PCI charge, a minimum monthly service charge, chargeback fees, and higher rates on commercial and business cards that escape the usual interchange caps. Add it up and a business quoted a tidy percentage can be paying far more once everything is counted.
OptiFlow Watch reads your merchant statements the way it reads any other bill. It works out your true effective rate, compares the market and moves you to a better provider, and watches for the fee creep and contract roll overs that quietly push the cost back up.
In person rates commonly sit around 1.4 to 1.75 percent before the extra charges, with debit interchange capped at 0.2 percent and credit at 0.3 percent. Figures are illustrative only and vary by provider, card mix and turnover.
Where card fees hide
The effective rate
Headline percentages ignore the add ons. What matters is what you actually pay per pound taken.
Hidden charges
Authorisation fees, PCI charges, minimum monthly fees and chargebacks all stack up.
Contract lock in
Terminal rental and early exit penalties keep businesses on stale rates.
How OptiFlow Watch helps
We find your true rate
Watch reads your statements and works out the effective rate across every fee, not just the headline.
We compare providers
We check your cost against the market and move you to a better provider or pricing model where it pays.
We watch for creep
Card fees drift upward over time. We keep checking so they do not.
Guaranteed saving
For a flat £49.99 a month, we guarantee a saving against your real bills or it is not worth your while.
More from OptiFlow Watch
See what your card fees really cost
OptiFlow Watch finds your true rate and guarantees a saving, for £49.99 a month.