See what your payments really cost.
Connect read-only and get one number: the money you're losing to fee overpayment, FX markup and failed payments. No sales call. Results in minutes.
Prefer to look around first? Create an account.
Estimate
See roughly what you're overpaying - in seconds.
Drag your volume and tell us about your business. It's a ballpark from typical ranges; the audit confirms it from your real payment data.
What we find
Three ways your margin quietly leaks.
Fee overpayment
Your true effective rate vs an interchange-plus benchmark, measured from your real processor fees.
FX markup
An estimate of what currency conversion is costing you above the mid-market rate.
Failed-payment leakage
The revenue slipping through declined and failed payments over the last 90 days.
The number
Not a dashboard to decode. One number, and where it comes from.
We reduce 90 days of real transactions to a single annual figure, then break it down so you know exactly what to fix and what it's worth - whether or not you change anything.
- Measured from your actual processor fees
- FX markup estimated vs the mid-market rate
- Failed-payment value at risk, clearly labelled
- Plain-number annual impact
Where your £24,766 goes
3 leaks£24,766
annual loss
2 min
to your number
Effective rate trend
2.71% now
Effective rate rose from 2.58% to 2.71%.
Failed-payment leakage rose to £15,000/yr.
Sample data
Monitoring
The audit is the start. We watch the drift.
Card mix shifts, new fees appear, FX creeps in. Overfee re-checks on a schedule and alerts you the moment your effective rate climbs - so a quiet leak never becomes a quarter of lost margin.
Security
Your keys, locked down.
You connect with a read-only Restricted key that can read your fees and nothing else. We encrypt it the moment it arrives, store only the numbers we compute, and never sell or share your data.
key_vault
ProtectedAccess
Read-only Restricted key
At rest
AES-256-GCM encrypted
Money movement
Not possible
What we store
Aggregates, not raw data
On disconnect
Key permanently deleted
Your control
Revoke at your provider
Why it adds up
Small percentages, real money, every month.
2.9%+
Common blended card rate before optimisation
10-30%
Potential card-fee savings at scale
~9%
Of MRR lost to failed payments
£0
To run your first audit
How it works
From connect to clarity, in three steps.
Connect read-only
Paste a read-only key. We read fees; we never move money or change anything.
We analyse 90 days
In minutes we reduce your real transactions to one number: what you're losing, and where.
We keep watching
Subscribe and we alert you the moment your costs drift, with month-over-month trends.
Pricing
Free to find it. Pay to never overpay again.
Starter
£49/mo
Under £50k/mo
Weekly checks
- 1 connected account
- Drift & leak alerts
- 3 months of history
Growth
£149/mo
£50k–200k/mo
Daily checks
- Up to 3 accounts
- 12 months of history
- Quarterly negotiation report
Pro
£299/mo
£200k–500k/mo
Hourly checks
- Unlimited accounts
- Benchmarking vs peers
- Priority support
Above £500k/mo? Talk to us about a custom plan →
Is it safe to connect?
You paste a read-only Restricted Key. It can read fees, never move money or change settings, and we store it encrypted.
How accurate is the number?
Fee overpayment is measured from your actual processor fees. FX markup is an estimate vs the mid-market rate, and failed-payment leakage is value at risk; both are clearly labelled.
Do I need to switch processor?
No. We tell you what you're overpaying and your options. Many merchants negotiate or adjust settings without switching at all.
What does the subscription add?
Continuous monitoring: we re-analyse on a schedule and alert you when your costs drift, with month-over-month trends.
Which payment providers do you support?
Stripe today. PayPal, Square and Shopify Payments are on the roadmap, so you'll be able to watch every provider in one place.
Find out what you're overpaying. Free.
A couple of minutes, read-only, no card. Most merchants are surprised.