Off licences and convenience
High transaction counts, low basket value. Small differences per transaction add up fast across a year.
UK card payments and business finance
Find out what your card machine is really costing you
We are a brokerage, not a provider. We compare options across a panel, tell you plainly where you stand, and charge you nothing for it.
- No charge to you. The provider pays us
- A panel, not a single brand
- We will tell you to stay put if your deal is good
What are your card fees costing you?
Move the sliders. No credit check, no charge.
Step 1 of 2
Card payment solutions
Terminals, merchant accounts and processing compared across a panel. We look at what you pay now and what else exists.
- Countertop, portable and mobile terminals
- Contactless and digital wallets
- Online, invoice and telephone payments
Business finance
Working capital, asset and invoice finance through a panel of lenders, including facilities that repay from your daily card takings.
- Working capital and cash flow
- Revenue based and asset finance
- Subject to status and affordability
Who we work with
Businesses that take card payments every day
Independent traders whose card costs are rarely reviewed, because nobody sits down with them and does the arithmetic.
Takeaways and restaurants
Card heavy and seasonal, often juggling delivery platform fees on top of processing costs.
Salons and barbers
Appointment based, steady takings, usually still on whichever terminal was signed on opening day.
Trades and services
Payments taken on site, invoices waiting, and equipment that needs replacing sooner than cash allows.
How it works
Four steps, and you can stop at any of them
- 01
You tell us what you pay now
A recent statement, or a rough idea. Enough to work out the annual figure.
- 02
We compare across the panel
Providers differ on pricing, terms and which businesses they accept. The comparison is the service.
- 03
You see the numbers side by side
Including the number for staying exactly where you are.
- 04
We handle the paperwork
Your agreement is with the provider. We arrange it and chase it through.
Rather we called you?
Leave a number and one of our team will ring you back. Ten minutes usually settles whether there is anything worth doing.
Straight answers
The questions we actually get asked
Does this cost me anything?
No. There is no charge to you at any stage. We are paid a commission by the provider or lender you choose to proceed with, and we would rather say that plainly than have you wondering.
Will enquiring affect my credit score?
Asking us to look at your options does not involve a credit search. If you later decide to apply to a specific lender, that lender will tell you what kind of search they run before you commit to anything.
Are you a lender?
No, we are a broker. Your merchant account is held directly with the payment provider, and any finance agreement is between your business and the lender. We arrange the introduction and never hold your money.
What if my current deal is already good?
Then we will tell you so. There is nothing in it for either of us in moving a business that is already well placed.
Can finance repay from my card takings?
That structure exists. The repayment is a share of what you take on card each day, so it flexes with a quiet week. Whether it suits your business depends on the lender and your circumstances, which is worth asking about on a call.
How long have you been going?
Jos Finserv Ltd was incorporated in December 2022, registered in England and Wales, company number 14560046. We are a small team and we would rather you knew that than found out later.
Worth ten minutes?
Most conversations start with card payments and end up covering both. If there is nothing worth changing, we will say so.
