01
Send your statement
A recent card processing statement from your current provider — that's all we need to get started.
Home / Card Payments & POS Terminals
New · Card Payments & POS TerminalsFind out if you're overpaying
We help businesses check whether they're overpaying for card payments. Send us a recent card processing statement and we'll review the real cost — including hidden fees, rental, PCI charges, authorisation fees, settlement charges and contract terms.
Comett Energy acts as an introducer for regulated payment service providers. We do not process payments or hold funds ourselves — card machines and merchant services are supplied and operated by our provider partners, and their terms, pricing and agreements apply to your account.
01 — Free statement review
What we check
Most business owners have never seen a full breakdown of what their card machine actually costs. We go through your statement line by line and tell you what it means in plain terms.
- — Transaction rates
- — Terminal rental
- — PCI compliance fees
- — Authorisation fees
- — Minimum monthly charges
- — Settlement costs
- — Any other hidden charges
Once we've calculated your true effective cost, we'll advise whether you should stay with your current provider, renegotiate your terms, or switch — whichever makes sense for your business. We don't guarantee savings; the right answer depends on your volume, sector and existing contract.
02
We calculate the real cost
Every rate and fee, added up into one true effective cost — not just the headline transaction rate.
03
You decide
Stay, renegotiate, or switch. We'll set out the options; the decision — and the relationship with the provider — is always yours.
02 — POS terminal options
Terminals for every counter
Whatever kind of business you run, there's a terminal option to match how you take payments — sourced through our provider partners.
Countertop terminals
Fixed card machines built for a till point or reception desk.
Portable card machines
Wireless terminals that move around the counter, floor or table.
Mobile card machines
SIM or app-connected terminals for taking payment on site or on the road.
Contactless terminals
Fast tap-to-pay for card, phone and watch payments.
Chip and PIN machines
Standard chip and PIN acceptance for every transaction type.
Shops
Takeaways
Restaurants
Cafés
Hotels
Salons
Garages
Clinics
Pharmacies
Gyms
03 — Provider comparison
Options we compare
We can help businesses compare card payment and POS terminal options from leading UK payment providers, including Worldpay, EVO Payments, Elavon, and other available providers depending on eligibility and requirements.
Worldpay
One of the UK's largest payment processors, with card machine and online payment options for businesses of most sizes.
EVO Payments
Payment processing and terminal options with a focus on retail and hospitality businesses.
Elavon
Merchant services and card terminal solutions backed by an established global payments network.
Teya
Card machines built for small and independent businesses, with straightforward pricing and fast setup.
Options may include Worldpay, EVO Payments, Elavon, Teya, and other suitable card payment providers, depending on your business type, transaction volume and current contract.
We don't push one provider blindly. We first check your current card statement, calculate the real cost, then advise whether you should stay, renegotiate, or switch. Better rates or options may be available depending on your business — we don't guarantee savings.
04 — Switching support
Already have a provider?
If you're already set up with a card machine provider, we can still help — without assuming you need to switch.
01
Review your current terms
We go through your existing contract and pricing in plain English.
02
Identify exit and renewal dates
So you know your options and timing before making any decision.
03
Move where it makes sense
If switching suits your business, we help you move to a more suitable provider.
04
Avoid fee creep
We flag unclear charges early, rather than leaving you to spot them later.
05 — Settlement & fee review
Beyond the headline rate
The advertised transaction rate is rarely the whole story. We look at everything that affects what actually lands in your account.
- — How quickly funds settle into your account
- — Settlement delays
- — Terminal rental charges
- — PCI compliance fees
- — Authorisation fees
- — Minimum monthly service charges
- — Blended, interchange and card-type pricing, where visible
Business funding (optional)
Business funding may be available through selected providers where you're eligible. This is entirely optional and secondary to our card payment service — we do not guarantee approval, a rate, or a funding amount. Eligibility, terms and lending decisions are made directly by the relevant provider.
06 — FAQ
Common questions
Ideally a recent monthly statement from your current card machine or payment
provider, showing your transaction volumes and the fees you're charged. If you're
not sure what you have, send what you've got and we'll tell you if we need anything
else.
Yes. We'll check your current terms, including any exit fees or renewal dates,
before recommending anything. In many cases it makes sense to wait until your
renewal date — we'll tell you if that applies to you.
No. We calculate your real current cost and compare it against available options,
then advise whether to stay, renegotiate, or switch. Any savings depend on your
business, transaction volume, sector and existing contract.
Most UK businesses that take card payments — shops, takeaways, restaurants, cafés,
hotels, salons, garages, clinics, pharmacies, gyms and similar — whether you need a
countertop, portable or mobile terminal.
Usually one to two working days once we have your statement, though straightforward
setups can be quicker.
Yes, along with contactless and chip and PIN options, sourced through our provider
partners depending on what suits your business.
Yes — this is part of the same review. We look at how quickly you're paid out, plus
rental, PCI, authorisation and minimum service charges, and flag anything that looks
unclear or avoidable.
07 — Get started
Request your card fee check
Share a few details and we'll come back with your statement review and the provider options that suit you.
Already a client?
Ask about payments alongside energy
If we already manage your energy contracts, mention it when you get in touch — we'll handle both under the same relationship.