Tilly

What are you actually paying on card fees?

Calculate how much you'd save by switching. Just three answers.

£25,000
£1k £100k £250k £500k+

You're overpaying Worldpay by

£250 – £400/ month

At your turnover. Right now.

How we calculate

Hospitality only · One match, not five · No-Friday-night-down guarantee

How matching works

One submission. One partner. Done by Tuesday.

  1. 1

    You tell us your numbers

    Three calculator inputs above, plus seven questions on the form. About 90 seconds. No five-sales-call follow-up — promise.

  2. 2

    We pick one partner

    We sift our hospitality-only panel against your turnover, business type, and contract timing. One name comes back — not five. We get paid by them, not you.

  3. 3

    Switch on a Tuesday

    Engineer on-site, paper-and-pen fallback for your first lunch, no Friday-night downtime. If we lose you a service, we refund your switching fee.

£1.26bn

What UK businesses spend on card transaction fees each year — and most are paying 0.5–1% more than they need to.

Source · ABC Money / MerchantSwitch

FAQ

Operator questions, answered straight.

How do you make money?

A partner pays us a referral fee when you switch. You pay us nothing. The fee doesn't change your rates — we negotiate those on a panel basis.

Are you authorised by the FCA?

Our partners are. Tilly itself is an introducer — we match you with FCA-authorised merchant acquirers and ePOS providers. Each partner's FRN is published at /partners.

What if my contract hasn't ended?

Tell us when it ends — we line up the switch for the day your notice clears. Most operators stay where they are for 1–12 months while we prep, then switch in a weekend. No early-termination fees on our side.

What does "no Friday-night downtime" mean?

We schedule every switch on a Tuesday morning, with the partner's engineer on-site, and a paper-and-pen fallback for your first lunch service. If we lose you a service, we refund your switching fee.

How do you calculate the saving estimate?

The 'what you're paying' baseline is the typical blended rate for your provider and turnover bracket — Worldpay / Paymentsense / Barclaycard / Lloyds Cardnet sit around 2.5–2.9%, Dojo / Stripe around 1.8–2.2%, SumUp / Square / Zettle around 1.69–1.95%. Against that, we show the lower bound of our launch partner panel's interchange-plus pricing for the same business profile. We always show a range, never a single point estimate — real fees vary by card mix, contract terms, and ancillary line items, so we pull the precise number from your real merchant statement on the call. Full substantiation file (lookup table, partner-rate evidence, sample switches) is producible on request per ASA / CAP Code 3.7. Partner pricing lookup is currently in pre-launch verification; paid spend is held until that lands.

What if I'm with one of your partners already?

We'll tell you straight away. We don't switch operators to the same provider they're with — that's just churn for a referral fee, and that's not what we do.

Do you work with food trucks?

No. Tilly is for fixed-location hospitality and retail businesses. Mobile setups need a different sort of acquirer — we'll point you at the right options if you ask.

What happens after I submit?

An email within 5 minutes with your partner match and their best rates for your profile. A phone call within the hour. The switch process kicks off when you say yes — typically a fortnight, start to finish.

Still got questions?

Run the calculator above, click through, and a real human follows the email with a call. No hard sell — we explain how the panel works and why we'd match you with whoever we'd match you with.

Back to the calculator