Free Merchant Services Comparison Tool
Check your savings in 60 seconds. No obligation. Independent UK comparison.
Your Business Details
How the comparison works
Tell us about your business
Your business type, monthly card turnover and average transaction value — it takes under 60 seconds and no documents are needed.
See your estimated savings
We instantly estimate what you could save per year by switching, based on typical rates charged by UK acquirers for your profile.
Get matched with providers
Unlock the full provider table and receive a personalised quote comparison by email from FCA-regulated UK payment providers.
Why compare merchant services before you switch?
Card processing fees are one of the least-transparent costs in UK small business. Two merchants on the same high street can pay wildly different effective rates — because pricing depends on your card mix (debit vs credit vs commercial), average transaction value, monthly volume and contract length. A headline rate of "1.69%" can hide monthly minimums, PCI compliance fees, authorisation charges and early-exit penalties that push the real cost far higher.
Providers also price differently by sector. Hospitality and ecommerce merchants typically pay more than retailers, while high-volume businesses can negotiate interchange-plus pricing that saves thousands per year. That's why a like-for-like comparison based on your numbers beats any advertised rate.
Merchant Insight is independent — we compare providers including SumUp, Square, Worldpay, Stripe and Barclaycard, and our comparison tool is completely free. If you switch through one of our introductions, the provider may pay us a referral fee; this never affects the price you're quoted.
Frequently asked questions
Is the comparison really free?+
Yes. You get an instant savings estimate and a full provider comparison at no cost and with no obligation to switch. If you do switch through us, the provider pays a referral fee — your quoted rates are unaffected.
How accurate are the savings estimates?+
Estimates are based on typical UK acquiring rates for your turnover band and business type. Your exact savings depend on your card mix and current contract, which is why we follow up with a personalised quote comparison.
Will this affect my credit score?+
No. Using the comparison tool involves no credit checks. Providers may run checks only if you choose to apply with them.
Can I switch if I'm still in a contract?+
Usually yes, but check for early termination fees. Many providers will cover or offset exit fees to win your business — mention it when you receive your quotes.
Which providers do you compare?+
We compare leading UK providers including SumUp, Square, Worldpay, Stripe and Barclaycard, covering card machines, online payments and full merchant accounts.
What happens to my data?+
Your details are used only to provide your comparison and, with your consent, shared with relevant FCA-regulated providers so they can quote. We never sell your data.