See for yourself - settlement statement saving prompt

Download your latest settlement statements and use this prompt to see what you could save by switching to Super.

Prompt typically takes 5-10 minutes to run (Claude Opus).

Find your latest statement

Download your latest settlement/ processing statement from your current provider. How To Guide.

Upload it to your AI tool

Upload it to your tool and copy & paste the prompt below. Use a better model for best results.

Understand savings

The prompt will analyse your costs to process payments and summarise savings concisely.

You are a payments cost analyst. I have uploaded one or more settlement statements / merchant service statements covering my card payments and any other payment methods I accept (e.g. Pay Later / BNPL, PayPal, open banking / pay-by-bank, gateway invoices). Your job is to tell me what I am REALLY paying to accept payments — including the costs that are easy to miss — and then show me how that compares to the cheapest option on the market.

Work only from the figures in my statements. Where a number is missing, say so explicitly and state any assumption you make. Never invent fees. Currency is GBP (£) unless the statements say otherwise.

STEP 1 — Establish the basis

From the statements, identify and state back to me:

• The period covered (and how many days/months it represents).
• Total sales / gross processed value, split by payment method where possible.
• Each payment method present (e.g. consumer debit, consumer credit, commercial/corporate cards, Amex, BNPL, open banking, wallet payments).

If the statement only covers part of a month, note it — you will pro-rate later.

• Reconcile the sum of the component fee lines against the statement's stated total and report the difference. If it does not reconcile to within a few pence (rounding), STOP and tell me which lines don't add up before going further.

STEP 2 — Find EVERY fee (this is the important bit)

For each payment method, extract all charges. Do not stop at the headline processing rate.

Hunt for, and list separately, every one of these where present:

• Transaction / processing fees (the % and/or per-item pence rate)
• Interchange and scheme fees (if itemised)
• Acquiring premiums / acquirer markup (if itemised — see Step 3 for how to classify these)
• Authorisation fees and per-transaction "auth" pence charges
• Gateway fees (monthly and/or per-transaction)
• Monthly account / service / minimum monthly charges and any minimum-spend top-ups
• Terminal / hardware rental or POS fees
• PCI compliance fees and PCI non-compliance penalties
• 3D Secure / 3DS / authentication / fraud-screening fees
• Tokenisation / vault / card-on-file fees (e.g. "token service" line items)
• Chargeback, dispute, retrieval and refund fees
• FX / cross-border / non-secure / surcharge fees
• BNPL/Pay Later commission (% + fixed) and any settlement fees
• Open banking / pay-by-bank per-transaction or platform fees
• Settlement / payout fees
• Any setup, onboarding, PCI scan, statement, or "other" line items
• Any annual or one-off fees (amortise across the period)

If a fee is bundled or blended, say so and show the blended rate.

STEP 3 — Classify every fee into three cost layers

Sort all the fees you found into three layers. The point of these layers is to separate what is genuinely unavoidable from what a provider adds on top — because Super removes everything except the unavoidable layer.

• Unavoidable costs (scheme + interchange) — the fees paid to the card networks (Visa, Mastercard, Amex) and their interchange that ANY provider must pass through, including Super. These do not disappear with any provider. Pull these out separately wherever the statement itemises interchange and scheme/assessment fees. Treat as unavoidable: interchange, scheme & other network fees, authentication/3DS scheme fees, and network tokenisation fees (e.g. "Visa Token Service"). If your statement only shows a single blended rate and does not itemise interchange, estimate the unavoidable portion (UK: ~0.2% debit / ~0.3% credit interchange plus small scheme fees) and clearly label it an estimate.

• Processing costs — the provider's markup and service charges ON TOP of interchange: the processing margin/%, acquiring premiums / acquirer markup, gateway fees, monthly account/service/minimum charges, terminal/POS rental, authorisation per-item fees, settlement/payout fees, BNPL commission, and any setup/annual fees (amortised). This is the layer Super charges £0 for (cards at cost; Pay Later and open banking 0%).

• Extra / hidden costs — the easy-to-miss add-ons: chargeback/dispute/refund fees, PCI compliance and non-compliance penalties, FX/cross-border/non-secure surcharges, and anything labelled "other" that is not a network pass-through. Also £0 under Super.

Explicit classification rules (to keep runs consistent):

• "Acquiring premiums" / "acquirer markup" → Processing (these are the acquirer's charge above interchange, not a network pass-through).
• "Scheme and other network fees", "interchange", "authentication scheme fees", and network "token service" fees → Unavoidable.
• Chargeback/dispute/retrieval fees → Extra / hidden. (A negative scheme-fee adjustment tied to a chargeback nets against the Unavoidable scheme line, not the chargeback fee.)
• Settlement / payout fees → Processing.

Handling a blended fee that is NOT itemised (e.g. some Amex billing):

Split it across layers. Estimate the unavoidable portion at the relevant UK benchmark (~0.3% of that method's sales for credit/Amex; ~0.2% for debit) and subtract any separately listed gateway/other lines; treat the remainder as Processing markup. Label every part of this split an estimate and show your working (blended total − gateway − estimated unavoidable = estimated markup).

Note: the headline contrast is "unavoidable (everyone pays) vs processing + hidden (where Super saves you everything)."

STEP 4 — Work out the numbers behind the headline

Compute, for the statement period and pro-rated to 1 year and 5 years (assume sales and mix stay flat — state this; if the statement is a full calendar month, annualise ×12, otherwise pro-rate by days):

• My total cost today = unavoidable + processing + extra/hidden, in £ and as a % of total sales.
• The unavoidable layer — scheme + interchange. This is the only cost that survives under Super (debit/credit at cost; corporate at a flat 0.10% surcharged — see Step 5; Pay Later and open banking carry no scheme/interchange so 0). State it in £ and as a % of sales. This is what I would pay with Super.
• Saving = my processing costs + my extra/hidden costs (i.e. everything except the unavoidable layer), for 1 year and 5 years.
• Saving = my total cost − Super base cost, for 1 year and 5 years.

Sanity-check every projected figure before presenting: the annual fee total should be roughly 12× a full-month statement, NOT a multiple of sales. State the monthly fee, the annual fee, and the annual sales separately so the scale of each is unambiguous.

STEP 5 — The price scale and the Super "best on market" rate

Build a "cheapest → most expensive" scale for my business, anchored as follows:

• Cheapest end = the Super Payments "best on market" rate, which is NOT a flat 0% across everything. Apply these per-method Super rates and weight them by MY sales mix:
  • Consumer debit & credit cards (incl. Apple Pay & Google Pay): AT COST — i.e. only the scheme + interchange fees that any provider must pay the card networks, with no processor markup or margin. As a planning estimate use ~0.3% of debit/credit card sales for UK consumer-weighted mixes (UK interchange is ~0.2% debit / ~0.3% credit, plus small scheme fees). State the figure you use.
  • Corporate / commercial cards (with surcharging ON): a flat 0.10% to the merchant. The higher corporate interchange and scheme fees are passed on to the cardholder as a surcharge, so the merchant's net cost to Super is just 0.10% of corporate card sales. Use 0.10% for corporate volume unless I tell you surcharging is off (in which case treat corporate "at cost" like other cards and say so).
  • Amex: at cost (treat like credit unless the statement shows a distinct Amex rate).
  • Pay Later / BNPL: 0%
  • Open banking / pay-by-bank: 0%

Super settles T+1 and runs on world-class infrastructure (Stripe, Adyen, Yapily, Modulr, Abound). Compute the Super blended rate by weighting these by MY sales mix.

If the statement does NOT split card volume into debit / credit / corporate (e.g. it only gives per-scheme totals like Visa / Mastercard / Amex), say so explicitly and treat all card volume "at cost" using the itemised interchange + scheme fees actually charged (or the ~0.3% estimate where blended). Do not invent a corporate split or apply the 0.10% corporate rate to volume you cannot identify as corporate; note that a real debit/corporate split could lower the Super figure further.

• Most expensive end = the market all-in rate for my actual payment mix, taken from the Lower Mid-market tier of typical UK all-in pricing (these are % of sales, all-in incl. gateway, monthly, 3DS, PCI). Apply per method, weighted by MY mix:
  • Debit: 0.94%
  • Credit: 1.04%
  • Corporate / commercial: 1.78%
  • BNPL / Pay Later: 2.10%
  • Amex: 2.34%
  • Open banking / pay-by-bank: ~1.0% (or a few pence per txn)

Where debit/credit are not split, state which rate you applied to the combined card volume and why. Weight these by MY sales mix to produce a single blended "most expensive" % for my business.

STEP 6 — Present it in this exact order

1. HEADLINE (show this first)

A compact side-by-side summary. Use this layout (period figures, with the % of sales in brackets):

Key point to make visually obvious: the Unavoidable row is the SAME kind of cost on both sides (every provider pays scheme + interchange), so Super's total equals just that row, while Processing and Extra/hidden both drop to £0. Make the two Total figures the visual hero, and shade or colour the "today" Processing + Extra rows to show that this is the part Super removes.

2. SAVINGS CALLOUTS

Immediately below the headline, two prominent callouts (render as bold blocks or a 2-row table):

1-year saving: £_____ ( % of sales)

** 5-year saving: £_____** (% of sales)

3. THE DETAIL (below the headline)

Now show the supporting tables:

Table A — Fees by payment method: Payment method | Sales processed (£) | Total fees in period (£) | Effective rate (% of sales) | Notable add-on costs included.

Table B — Fee breakdown by cost layer: Cost layer | Fee type | Amount in period (£) | % of total fees | Paid under Super? Group rows under the three layers (Unavoidable / Processing / Extra-hidden). In the "Paid under Super?" column mark the unavoidable rows "Yes — at cost" and every processing and extra/hidden row "No — £0", so it is unmissable which costs Super removes.

Table C — Projected cost & saving: Horizon | Your total cost (£) | Your cost (% of sales) | With Super (£) | Saving (£). Rows: This period (actual); 1 year; 5 years.

Table D — Where you sit on the scale: Position | Effective rate (% of sales) | Annual cost (£). Rows: Cheapest (Super — cards at cost, Pay Later & open banking 0%); You (today); Upper-average market. Below the table, render ONE horizontal scale bar (cheapest on the left, upper-average on the right) with a marker showing where I land. Do NOT also add a separate ASCII / text-art version of the bar — the rendered bar is the only bar. A short one-line caption explaining the benchmark weighting is fine; an ASCII bar drawn with dashes and a bullet is not.

Close with a 3–4 line plain-English summary: my current blended rate, the Super blended rate (cards at cost + 0% on Pay Later/open banking), the total £ I'd save over 1 and 5 years, and where that puts me versus the market. Be specific with the numbers from my statements. Do not over-claim — base everything on the figures I gave you, treat card costs as scheme + interchange (not zero), and flag anything you couldn't read or had to assume.