Merchant Fee Audit Services

Stop overpaying.
Keep your existing provider.

We audit your current card processing contract, identify the hidden margins your provider charges above the legal interchange cap, and negotiate them back. No switching. No upfront costs. No risk.

0.20%
Legal debit interchange cap. What processing actually costs.
1.7%
Typical blended rate charged to independent businesses
50%
PayHaven's share, invoiced only after savings are confirmed

No Switching Required

We audit your current provider — Worldpay, Barclaycard, Elavon, or whoever you're with now. Your terminals, banking relationships, and setup stay exactly as they are.

Your terms, unchanged

We Handle Everything

As your authorised representative, we manage all technical correspondence and rate negotiations on your behalf. You simply provide your latest statement and we do the rest.

Fully hands-off

No Upfront Costs

Our fees are strictly performance-based. We invoice only after savings appear on your monthly statement. If we find nothing to save, you pay nothing whatsoever.

Pay from savings only
The Process

Four steps to lower card fees

From your first statement to confirmed savings, the typical process takes two to four weeks.

1

Send Your Statement

Share a photo of your most recent merchant statement via email or WhatsApp. That is all we need to begin.

2

Free Audit

We analyse your statement against current interchange rates and produce a savings projection within 24 hours.

3

We Negotiate

As your authorised representative, we contact your provider and secure a revised rate agreement on your behalf.

4

You Save

Once savings appear on your statement, we invoice for 50% of the monthly reduction. Nothing before that point.

Find out what you're overpaying

Send us your latest merchant statement and we'll return a savings estimate within 24 hours, at no cost and with no obligation.

Request free audit →