21/08/2026
A cheaper headline rate isn’t always the biggest saving. 👀
When I reviewed Jo’s card payment setup at Ely Aquatics & Reptiles in Ely, her processing rates were already competitive.
So I’ll be honest, dramatically reducing the transaction rate wasn’t realistic.
The real opportunity appeared when we looked at the whole bill, not just the headline percentage.
Jo was paying a separate monthly terminal rental. By effectively covering that cost, the arrangement created a saving of over £275 over 12 months. ✔️
But the saving wasn’t the only reason Jo was happy to return to a payment system she already knew and liked.
Jo valued:
✔️ Fast transactions
✔️ Next day settlement
✔️ Payment links for remote payments
✔️ Connectivity support when Wi-Fi isn’t available
✔️ A familiar, straightforward system
✔️ Most importantly, a local contact who understands her business
That last point matters.
When something needs explaining, business owners want to speak to someone who knows them, not spend hours navigating a call centre.
This is why I review the complete merchant statement, including terminal rental, fixed charges and other costs. If you’re already on a good deal, I’ll tell you. If there’s a genuine opportunity to save, I’ll show you exactly where it comes from.
Read the full Ely Aquatics case study here:
https://www.thatcardmachineguy.co.uk/blogcard-payment-tips-merchant-fee-guides-business-advice/ely-aquatics-why-winning-back-a-previous-dojo-customer-came-down-to-local-service-and-a-2299-terminal-saving
Run a local business and want a no-obligation review of your statement?
Send it over for a straightforward look. If I can’t help, I won’t waste your time.
