Why Super is the cheapest payment provider.

Summary: payment fees and costs.

Payment method

• Super Credit (BNPL)
• Open Banking
• Card Payments

Payment Processor fee

• 0%
• 0%
• 0%

Unavoidable Costs

• 0%
• 0%
• Interchange + Scheme

Super Payments offers Pay Later (by Super Credit), Open Banking, and traditional Card payments (including Apple Pay and Google Pay).

All other payment providers charge a processing fee; we are the only provider in the market which has removed this entirely for all payment methods. Open Banking and Super Credit are completely free to businesses.

For cards, there are mandated costs from Visa/MasterCard and participating banks, associated with the payment itself. With Super, you only pay these unavoidable costs for card payments.

Card payments.

Every card transaction fee has unavoidable, mandated costs (made up of interchange and scheme), and processor fees. Interchange (paid to the cardholder’s bank) ranges from 0.2% - 0.3% for consumer transactions in the UK. Scheme fees go to the card networks (e.g. Visa, Mastercard) and change over time, often rising when regulations cap interchange fees. Processor fees are what payment providers add on top.

Super Payments Pricing. We don’t add processor markups or hide costs in blended or “+” models. By passing just the unavoidable costs (interchange + scheme), we deliver the lowest, most transparent pricing in the market. We will always be lower than payment providers which charge a markup - offering Blend or Interchange+(+) pricing:

Blend Pricing.

One flat rate (e.g. 1.65%) for all transactions.

Simple and predictable.

Often overpriced, since you pay the same high markup fee even on cheap debit card transactions.

Interchange++ Pricing.

Fee split into unavoidable card costs(interchange + scheme) + a processor margin.

More transparent and fairer than blended.

Costs vary by card type, and providers still add their own markup.

Super Payments Pricing.

Only unavoidable card costs (interchange + scheme).

No processor markup → lowest possible pricing.

100% transparent.

Further reduce costs over time.

• Super only passes on the unavoidable card costs, while Open Banking and Buy Now Pay Later transactions cost 0%.
• As adoption of these alternative methods increases, the mix of payments shifts towards 0%-fee options.
• This reduces the weighted average cost of acceptance over time, which is reflected in the downward trend of overall fees.

How can Super offer the cheapest payments?

Instead of charging processor fees, we make money in other ways:

Pay Later with Super Credit

Always free for businesses; Super earns a commission from lenders

Optional add-ons

Paid extras for enhanced features and growth functionality

Our mission is to power free payments for businesses and more rewarding shopping for customers so it’s in our DNA to power the cheapest possible payments for your business.