Your business.
Better payment options.
Compare card payment providers, explore competitive rates and get a payment setup tailored to how your business trades.
Free comparison · Multiple providers · No obligation to switch
Your comparison
Free · writtenEverything that sets your true cost — side by side.
- Transaction ratesDebit, credit & business cards
- Authorisation feesThe per-transaction pence
- Terminal rentalPer machine, per month
- Contract termsLength, renewals & exit
- Settlement speedWhen the money reaches you
Savings calculator
See what you could save.
A quick, honest estimate based on your monthly turnover and what you're paying today.
Not sure? Check a recent statement from your current provider.
Your estimated saving
That's per year
—
Pop your own figures in on the left and we'll show you the numbers straight away.
Estimate only. Actual costs depend on card mix, transaction size and your current agreement. We'll confirm exact figures in your free comparison.
Free like-for-like payment comparison
See what you're really paying
Four quick details and we'll do the rest. No obligation, and if your current setup is already competitive we'll tell you.
What happens next
- 1You send a few details — no phone call needed.
- 2We compare multiple UK providers against what you pay now.
- 3You get a written comparison by email. No obligation, no cold calling.
Real results so far
A local bakery now keeps over £1,000 a month, and a small independent shop around £100 a month. Every business is different, so we'll only quote figures once we've seen your actual costs — and if you're already on a good rate, we'll say so.
Prefer to talk right away?
Message us on WhatsAppOur provider partnerships
Better rates. More choice. One point of contact.
We compare packages, rates, fees, hardware and contract terms across multiple providers — and explore partner-negotiated pricing where it's available — then recommend the option that makes the most commercial sense for your business.
No obligation to switch. No recommendation just because a provider pays us. Just a comparison built around your business.
- 01Multiple providers, one comparison.In-person, online and on-the-go options weighed together.
- 02Access to partner pricing where available.Not every provider or business qualifies — we'll tell you plainly.
- 03Your own point of contact before and after setup.A real person, from comparison through onboarding and beyond.
In-person card machines, plus ecommerce gateways and virtual-terminal payments. Merchant Collective is not a bank, acquirer or payment provider.
How it works
A clear, considered process.
Independent and free to you — the provider you choose pays us a commission. If your current setup is already competitive, we'll tell you.
Tell us about your business
Complete our short payment comparison form so we understand how you take payments today.
We analyse your requirements
We compare your current costs against options from several providers and show you the numbers in writing.
We recommend the right solution
We help you choose a payment solution that fits your business — with no obligation.
We become your account manager
If you go ahead, we handle all the paperwork and setup, then stay on as your dedicated account manager — one direct line to a real person, not a call queue.
Merchant Collective is not a payment provider, bank or terminal retailer. Savings depend on your current agreement, card mix and transaction profile, and are never guaranteed.
The person behind it
Meet Oli — Founder of Merchant Collective
"I started Merchant Collective because I wanted to make choosing a card payment provider simpler, clearer and more personal for UK businesses. You'll deal with me — from the first comparison, through onboarding, to support afterwards."
“Oli took the time to review my entire existing setup, go through the costs and identify where I could save money. The savings were brilliant… He handled the onboarding process from start to finish, making everything straightforward, and the support hasn't stopped since.”
“Excellent machine and an excellent person to deal with — easy to do.”
FAQ
Straight answers.
Yes. We are an independent introducer partnered with myPOS, Clover, Elavon, Worldpay and takepayments — not a payment provider, bank or part of any of them. Our service is free to you; if you sign up with a provider we introduce you to, we may receive a commission.
Most businesses complete the comparison within a few working days. If you decide to proceed, we handle the setup so you're not chasing anyone.
In most cases, yes. As part of your comparison we'll look at your current agreement and let you know honestly whether switching makes sense.
Yes. Saving money for businesses with an existing terminal is what we're known for, but we set up new businesses too. With no statement to compare, we start from how you plan to trade — where you take payment, typical transaction size and expected turnover — then compare providers, recommend the right terminal and handle the whole setup so you start on a competitive rate.
This website is operated by Merchant Collective, a UK-based independent payment introducer. You can reach us at hello@merchantcollective.co.uk, on WhatsApp at +44 7448 027223, or by phone on 0161 758 0036 (Mon–Fri, 9am–5pm). Full details are on our Contact page.
We use it only to prepare your payment comparison and to contact you about it using your preferred method. If you choose to proceed, we share only what is needed with the provider you select. We never sell your data, and you can ask us to delete it at any time by emailing hello@merchantcollective.co.uk. See our Privacy Policy for full details.
No. Any figures we show are estimates based on the information you provide and the assumptions we state. Actual costs depend on your card mix, transaction sizes, provider terms and your existing agreement.
Your next step
Ready to see what you could be paying?
It takes under a minute, whether you already take card payments or are just setting up.
Takes about 60 seconds · Reply within one business day