About Us
About Us
At Independent Payments, we’re here to make payment processing simple, transparent, and cost-effective.
We’re a team of financial experts passionate about helping UK businesses save money on their card payment fees. Our goal is simple: to find you the best deal by comparing rates from over 20 of the UK’s leading merchant service providers, including Barclaycard, Elavon, Take Payments, Clover, Rapyd, Shift4, Teya and many more.
Unlike many providers, we’re completely independent—which means we’re not tied to any single supplier. That independence allows us to give you honest, unbiased advice tailored to your business needs, no matter your size or industry.
Whether you’re looking to lower your transaction fees, upgrade your terminals, or explore virtual payment solutions, we’ll match you with the right provider and guide you every step of the way.
We’re a team of financial experts passionate about helping UK businesses save money on their card payment fees. Our goal is simple: to find you the best deal by comparing rates from over 20 of the UK’s leading merchant service providers, including Barclaycard, Elavon, Take Payments, Clover, Rapyd, Shift4, Teya and many more.
Unlike many providers, we’re completely independent—which means we’re not tied to any single supplier. That independence allows us to give you honest, unbiased advice tailored to your business needs, no matter your size or industry.
Whether you’re looking to lower your transaction fees, upgrade your terminals, or explore virtual payment solutions, we’ll match you with the right provider and guide you every step of the way.
Review your current rates
Review your current rates
The first step in our process is to gain a clear understanding of your current transaction fees, by reviewing one of your recent card merchant statements.
Compare with our providers
Compare with our providers
Once we have a clear picture of your current rates, we’ll compare your existing payment solution with our network of over 20 top UK merchant providers.
Provide you with an analysis
Provide you with an analysis
After comparing your current rates with over 20 of the UK top card merchant providers, we will prepare a comprehensive analysis for you by email.
Help you switch providers
Help you switch providers
If you decide to make the switch to a more cost-effective card merchant provider, we’ll take care of the setup process and provide full support.
Frequently Asked Questions
💬 Will switching providers disrupt my business?
Not at all. If you are already taking card payments, you carry on using your existing terminal until your new one is received. We ensure the transition is smooth and handled by our team of experts.
💬 How does installation work if I switch providers?
Installation is quick and hassle-free. Once you choose a new provider, they’ll arrange for the terminal(s) to be delivered directly to your business, often within just a few days. In many cases, the terminals are plug-and-play, meaning you can set them up yourself with simple instructions. If needed, on-site or remote support is available to guide you through the setup step-by-step.
💬 How much can I actually save?
Every business is different, but most of our clients save hundreds or even thousands of pounds per year on processing fees, terminal rental, and PCI charges.
💬 What if I’m still in a contract with my current provider?
No problem, most of our partnered providers will buy out your existing contract if you choose to switch through us. That means you can start saving without waiting for your current agreement to end. We’ll review your existing terms, explain your options, and help you make a smooth, cost-effective transition with no added stress or fees.
💬 Will we be tied into a long contract?
That depends on the provider you choose. Some offer flexible rolling contracts, while others may have 12 to 18-month contracts. We’ll clearly explain all contract details so you can make an informed choice.
💬 I don’t currently take card payments, can you help me get started?
Yes, we’d be happy to help! Whether you’re a brand-new business or just looking to start accepting card payments, we’ll guide you through the entire process. We’ll compare providers based on your industry, location, and expected transaction volume to find the best and most cost-effective setup for your needs. From card machines to virtual terminals and online payment solutions, we’ll make getting started quick, easy, and affordable.
💬 Do you charge for your service?
No! Our comparison service is completely free, with no hidden costs. We’re paid by the providers, so there’s no charge to you.
💬 Can I speak to someone directly?
Absolutely. We’re real people, not just a website. You can reach out any time and speak to one of our UK advisors.
