See How Much You
Could Be Saving
Enter your monthly card turnover and current rate — we'll show you exactly how much Espada Pay could save your business.
Your Details
Not sure? Check your latest statement or choose the range you think applies.
How we calculate this: We compare your estimated current rate against Espada Pay's indicative rates for your business type. Actual rates may vary based on your transaction mix, volumes, and card types. Request a free review for a precise quote.
Your Savings Await
Fill in your details and click Calculate My Savings to see your personalised estimate.
What Affects Your Processing Rate?
Understanding these factors helps you see why switching providers can make such a big difference.
Transaction Volume
Higher monthly turnover typically qualifies you for lower rates. Many businesses on standard rates are overpaying simply because their volume has grown.
Card Type Mix
Credit cards cost more to process than debit cards. Corporate and rewards cards carry a premium. Your rate should reflect your actual card mix.
Business Category
Different industries carry different risk profiles. We negotiate rates specific to your sector — not a blanket rate applied to all businesses.
Hidden Fees
Many providers add fees for PCI compliance, authorisation, minimum monthly service charges, and more. These can add significantly to your effective rate.
Contract Terms
Long-term contracts often lock you into rates that were competitive when signed but have since been surpassed. We'll review what flexibility you have.
Provider Competition
The payment processing market is competitive. Espada Pay leverages relationships with multiple providers to find the best rate for your specific profile.
Ready to Make the Saving Real?
This calculator gives you a strong indication — a free rate review gives you the exact numbers. No obligation, no pressure.
Get My Free Rate Review