Most UK businesses are locked into rates far higher than they need to be. Our free, independent review uncovers exactly what you're paying, what you should be paying, and how to close the gap — usually a 30–40% saving.
When you go direct to a payment provider, their sales team is incentivised to maximise what you pay. You deserve an expert in your corner.
No jargon. No pressure. Just a straightforward review that puts money back in your pocket.
Share your current merchant statement or simply tell us what you're paying. Takes 2 minutes — everything is completely confidential.
Our consultants break down every fee, identify where you're overpaying, and negotiate the best possible rates on your behalf.
Switch seamlessly with zero downtime. We handle setup, training, and continue managing your account long-term.
No obligation · No cost · Takes 2 minutes
Merchant statements are deliberately hard to read. We go through yours fee by fee, benchmark each one against the whole market, and translate it into plain English.
We examine every charge your provider applies — transaction rates, authorisation fees, PCI compliance charges, terminal rental, minimum monthly service charges, and any other cost buried in the fine print.
Our consultants have reviewed thousands of statements and know exactly where providers hide margin. We compare your current deal against the best rates available across the entire market — not just one provider's book.
This isn't a sales call disguised as a review. You receive an independent assessment of your merchant services with no obligation whatsoever to switch. If you're already on a good deal, we'll tell you that and leave you alone.
Average Saving
That's what our clients typically save when they switch to the rates we negotiate on their behalf.
Every business is different — that's why online calculators don't cut it. Our consultants analyse your actual merchant statement line by line, identify every hidden charge, and produce a personalised savings report showing exactly where you're overpaying and what we can do about it.
100% confidential · No obligation · Average savings of 30–40%
We don't just find you a better deal — we remove every barrier to switching. Here's what's included when you move to us.
Stuck in a contract? We'll cover your early termination fees so you can switch without paying a penny to leave.
Up to £500 coveredWe guarantee to beat your current rates — or we won't ask you to switch. If we can't save you money, we'll tell you.
Beat your rate or don't switchBrand-new premium card machine worth £189 — yours free. Contactless, 4G, and Tap to Pay on iPhone included.
Worth £189 — freeWe negotiate flexible rolling terms — no lengthy commitments. Stay because we deliver, not because you're locked in.
Leave anytimeWe handle everything — paperwork, terminal delivery, staff training. Most businesses are live within 48 hours.
Live in 48 hoursYour own named consultant for life — quarterly rate reviews, priority support, and annual savings audits all included.
Ongoing support for lifeWe're your advocate, not the card company's sales team. Every recommendation we make is in your best interest — always.
No hidden fees, no surprise charges. We break down every single cost so you know exactly what you're paying and why.
We handle everything — paperwork, terminal setup, training. Most businesses are live within 48 hours with zero downtime.
Your consultant stays with you. Quarterly rate reviews, priority support, and annual savings audits — all included free.
We partner with the UK's highest-rated payment platform — rated 4.9/5 stars from over 2,800 businesses nationwide.
Our review costs nothing. If we can't save you money or improve your service, we'll tell you honestly. No pressure, ever.
"Time Consulting saved us over £3,000 a year. They reviewed our statement, found fees we didn't even know existed, and handled the entire switch. Couldn't recommend them more highly."
"Finally, someone who actually works for us. Our previous provider kept raising rates. Time Consulting negotiated a deal that's saved us £200 a month."
"I was sceptical — how can a free service be good? But they genuinely found us a better deal. The new machine is faster, the app is great, and we pay less."
"We used the business funding to renovate our shop, and the repayments come straight from card sales so there's no stress. Our consultant Tom has been fantastic — always available when we need him."
We receive a small referral from the payment technology provider when we place a new merchant. This means our service costs you absolutely nothing — and because we only get paid when you switch, we're motivated to find you a genuinely better deal.
No. We set up your new service alongside your existing one. You only stop using the old provider once your new terminals are live and tested. Most businesses experience zero downtime.
We negotiate flexible terms on your behalf. Many of our merchants are on rolling contracts with no lengthy lock-in periods, giving you the freedom to leave if your needs change.
We'll tell you honestly. If your current deal is competitive, we'll confirm that and offer to review again in 6 months when rates may have changed. There's never any pressure to switch.
Most businesses are fully live within 48 hours. Card terminals are delivered next-day, and our team handles all setup and training at no extra cost.
We work with the UK's highest-rated payment platform — 4.9/5 from over 2,800 businesses. Award-winning terminals, real-time reporting, and UK-based 24/7 support.
Book your free, no-obligation review. One of our consultants will analyse your costs and get back to you within 24 hours.