Independent EFTPOS broker
Payments experts who cut your card costs
When the surcharge ban lands on 1 October, the cost you have been passing to customers lands back on your margin. Send one merchant statement and we will tell you what you actually pay — and whether it is worth moving.
Where the money goes
Four things we find in almost every statement
None of these are exotic. They are simply invisible from a merchant statement unless you know what you are reading.
Routing left switched off
Eligible debit taps sent down the more expensive network because nobody enabled least cost routing. It is rarely on by default.
A plan that fitted three years ago
Flat rate suits a smaller business. Past a certain turnover it stops being the cheap option, and nothing prompts a review.
Interchange categories you could qualify for
Scheme tokenisation and better transaction data can move a payment into a cheaper category. Most merchants are never told the category exists.
Rental on hardware you have paid for
Terminal rental that quietly outlived the terminal. We have seen fleets paid for several times over.
The engagement
How it works
Four steps, and you can stop after the second one.
- 1
Send one statement
A single recent merchant statement shows your effective rate, plan structure, volumes and card mix. That is most of what we need.
- 2
We read it properly
You get, in writing, what you actually pay once every fee is counted — and the case for staying put if that is the answer.
- 3
We go to market
If moving is worth it, we approach providers on your behalf and negotiate. You see what came back. We do not sign anything for you.
- 4
We handle the switch
Terminal deployment, settlement changes, POS integration. The part merchants dread is the part we do.
What you get
What a review actually gives you
What you actually pay
Your effective rate once every fee is counted — rate, monthly costs, terminal charges, the ones that never get explained. In writing.
What the market would offer
What a business of your size, industry and card mix should expect to pay. A position, not a single quote.
The case for staying put
If your current deal is already competitive, that is what the answer says. We would rather tell you than move you for the sake of it.
A managed switch, if you move
Terminal deployment, settlement changes, POS integration. The part merchants dread is the part we handle.
FAQ
Common questions
What does a rate review cost?
Nothing, and there is no obligation at the end of it. We are paid a commission by the provider we place business with, which is how the service is free to the merchant.
What do you need from me?
One recent merchant statement. It shows your effective rate, plan structure, volumes and card mix, which is most of what we need to tell you where you stand.
Are you a bank or a payment provider?
Neither. We are a broker. We review what you pay, go to market on your behalf and negotiate — the merchant facility itself sits with the provider we place you with, not with us.
What if my current deal is already good?
Then we tell you that and you stay where you are. Being willing to say it is what makes the rest of the advice worth anything.
How does the surcharge ban change things?
From 1 October 2026 you can no longer pass card costs to customers as a surcharge, so that cost lands back on your margin. Businesses that were recovering a meaningful share of their card cost through a surcharge are the most exposed.
Free, and no obligation
If your current deal is already competitive, that is what the answer says. How we are paid is set out in our commercial disclosure.Find out what you actually pay
One statement. A straight answer in writing, including the case for staying where you are.