● Recoup by Amiri AI · UK · US · EU · Australia

You're probably overpaying on card fees. See how much.

Interchange is capped, but scheme fees and processor margin are not, and most businesses never check. Enter your card turnover and your rate to see the gap against a fair rate for your country.

Your card takings

No sign-up. Calculates locally in your browser. An indicative estimate, confirmed by a free statement audit.

£
total fees ÷ turnover
%

Not sure? Take last month's total card fees and divide by your card turnover.

⚙ Advanced: adjust the fair benchmark rate
competitive all-in
%

Choose your country, enter your card turnover and your rate, and your estimated overpayment appears here instantly.
Scheme fees + margin are negotiable Calculates locally, no data sent

Why this money is yours

The cap is on interchange. The overcharge is everywhere else.

In the UK and EU, the interchange a processor pays the card networks is capped by law at 0.2 to 0.3 percent. Yet plenty of small businesses pay a blended 1.6 percent or more. The difference is scheme fees and processor margin, and much of it is negotiable, or beaten by a better provider. Most owners never check, because the statements are designed to be unreadable. Recoup reads them.

1

See the gap

Pick your country and the checker benchmarks your rate against a competitive rate, so you know the size of the leak before you do anything.

2

We audit your statements

Send a recent statement and we break down exactly where the margin is hiding, in plain figures, free.

3

You pay less, every month

We help you switch or renegotiate to a fairer rate. The saving is recurring, and it is money you were losing quietly.

🇬🇧 United Kingdom🇺🇸 United States🇮🇪 Ireland🇩🇪 Germany🇫🇷 France🇪🇺 EU🇦🇺 Australia🇨🇦 Canada🌍 International

The offer

A free audit, then a fairer rate. We are not a processor.

Recoup is on your side of the table, not the processor's. We read the statement, quantify the overcharge, and help you fix it. We do not take over your payments and we are not tied to one provider.

Checker

Free
  • Your overpayment, benchmarked to your country
  • How card fees actually break down, in plain English
  • Free, forever
Early access

Statement audit

Free audit we take a share of savings
  • Line-by-line breakdown of a real statement
  • A fairer rate to switch to, or a renegotiation script
  • You keep the saving; our fee is a share of what we save you
  • Independent, not tied to one processor

Portfolio

Let's talk
  • Multi-site retail, hospitality and franchise groups
  • Ongoing monitoring so the rate never creeps back up
  • For accountants managing many clients

Straight answers

The questions every owner asks first.

How do I know if I am overpaying?
Divide last month's total card fees by your card turnover to get your effective rate. In the UK and EU, interchange is capped at 0.2 to 0.3 percent, so a blended rate near 1.6 percent is mostly scheme fees and margin, much of which is negotiable. In the US, a blended rate above roughly 2.9 percent for standard cards is often reducible. The checker benchmarks you against a competitive rate for your country.
How accurate is this estimate?
It is a guide, not a quote. Your real rate depends on your card mix, average transaction size, online versus in-person split and your contract. The free statement audit replaces the estimate with real figures from your own statement before anything changes.
Do you take over my payments?
No. We are not a payment processor. We audit your statements, show where the margin is, and help you switch or renegotiate to a fairer rate with a provider of your choosing. We stay independent, on your side of the table.
What does it cost me?
The checker and the statement audit are free. If we find and help you capture a saving, our fee is a share of what we save you, so it only costs you a slice of money you were otherwise losing.

Get your free card fee audit.

We're onboarding a first group of businesses across the UK, US and EU. Send your email and we'll audit a recent statement and show you exactly what you could save. Early members get founding terms.

By joining you agree we can email you about Recoup. No spam, unsubscribe anytime.

Not financial advice. Recoup provides an estimation tool and an independent statement-audit service. Figures are indicative estimates and benchmark your entered rate against a competitive all-in rate for the country you select; they are not a quote and not a guarantee of savings. Your actual rate and any achievable saving depend on your card mix, transaction sizes, channel, volume and contract terms, and rates and interchange rules change over time. Recoup is not a payment processor or a card scheme and is independent of any provider. A free statement audit confirms the real figures before any change. For definitive advice, consult a qualified professional.