# What 2% Fees Actually Cost Your Business Over Time

May 30, 2025

### Introduction

A 2% payment processing fee might seem small. But for a growing UK business turning over millions per year, that 2% becomes a serious cost centre.

Let’s look at how these fees quietly erode your profits — and how switching to **Super Payments**, with **0% fees on most payment options**, can save you hundreds of thousands over time.

### The 2% Problem

**Example**:

- You process **£5,000,000** per year in online revenue
- A 2% fee = **£100,000 lost** annually to payment charges

This does not include additional costs like:
- Refund fees (which many providers do not reimburse)
- Currency conversion charges
- Chargebacks and administrative overhead

### 3-Year Impact at Scale, Assuming Business Growth

| Year | Revenue Processed | 2% Fee Paid | Cumulative Lost Revenue |
| --- | --- | --- | --- |
| 2025 | £5,000,000 | £100,000 | £100,000 |
| 2026 | £6,500,000 | £130,000 | £230,000 |
| 2027 | £8,000,000 | £160,000 | **£390,000** |

By the end of 2027, you've spent nearly **£400,000** on fees — money that could have been reinvested into your team, your product, or your growth.

### Why Super Payments Is Different

- **0% fees on most major UK payment methods**
- Charges only the **true network cost** on others
- **Same-day settlements** to UK accounts
- Transparent, no hidden markups or platform fees

Super helps UK businesses of all sizes — including scale-ups and enterprise merchants — **protect their margins** and reclaim revenue lost to traditional processors.

### Final Thought

At scale, 2% is not a small cost — it's a serious operational expense. Switching to Super Payments can save your business hundreds of thousands over just a few years.

Why give that money away when you can keep it and reinvest?

Dan Ferner, Growth

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