For all business types — ecommerce, marketplaces, small businesses, SaaS, online gaming, and more.
We match your business to payment processors that will actually approve you, at the right rate, with the right terms. No frozen accounts. No surprises. No more guessing.
Takes 60 seconds. No sales call. Completely free for merchants.
Assessment Example Output
Your risk profile determines who approves you, what rate you pay, and whether your account stays open. Most businesses never see it until something goes wrong.
Strong risk fit for subscription SaaS at scale-up volume
No subscription billing at this volume
Volume cap below $150k/month threshold
The Process
We compare payment processors and merchant account providers across the UK, US and EU, matching ecommerce, SaaS, marketplaces and other online businesses with the right payment gateway. Free from start to finish, no commitment required.
Complete a short assessment covering your business model, transaction volume, countries served, average order value, and industry — including whether you're considered a high-risk merchant.
Our matching engine compares your business against the underwriting requirements of 50+ payment processors and payment providers across the UK, US and Europe.
We recommend the payment processors most likely to approve your business, explain why each one fits, and highlight any risks or potential savings on your payment processing costs.
Meet with one of our payment specialists to review your matches, ask questions, and get introduced to the payment gateway or merchant account provider that best fits your business.
A payment setup review never hurts — your current processor certainly isn't offering one.
They act on risk thresholds, scheme rules, and statistical triggers. If something changed in your account, there is a specific reason.
Here is how the system actually works.
Why funds get frozen and what triggers it. Your account type, chargeback rate, and volume pattern all feed into this decision automatically.
How providers protect themselves and why your pricing tier changed. Reserve requirements are tied directly to your risk classification.
Why your 1.4% became 2.3%. Scheme fees, assessment fees, and interchange variations add up in ways your headline rate does not show.
A payment setup review never hurts — your current processor certainly isn't offering one.
The Reality
Your rate is based on how risky your business looks to them, not how well you have actually performed.
When they hold your funds, it is a system flag, not a personal decision. But it still stops your business cold.
One bad chargeback month can change how every future transaction is treated, permanently, at that processor.
Fast growth can trigger a freeze. Sudden volume increases look like a red flag to the wrong provider.
Flat-rate pricing bundles fees together so you cannot see what you are actually paying per transaction type.
Most merchant account rejections are preventable if you know which processors match your risk profile before you apply.
What Businesses Say
Businesses that ran their risk profile and found the right processor.
"Saved 0.4% on every transaction after switching. That is $9,600 a year back in our pocket. We had been on the wrong processor for two years without realising it. The risk profile showed us exactly why our fees were higher than they should be."
Jamie L.
Ecommerce, New York
12% cost reduction
"Our account was flagged three times in a year. Not fraud. Our billing model just did not match how our provider had classified us. ChosePayments made that obvious straight away. Zero account issues in 18 months since we switched."
Priya M.
SaaS Platform, London
Zero account issues in 18 months
"The assessment took under a minute. I had spent weeks reading comparison sites and still had no idea which processor was right for a multi-location setup. Got a clear answer in 60 seconds and an intro the same day."
Tom W.
Retail Chain, Birmingham
20+ hours saved
Why ChosePayments
Frozen accounts. Silent holds. Chargebacks that spiral because the underwriting never fit. We built ChosePayments after watching this happen to businesses of every size.
We are paid by the payment processors when we make a successful introduction. You pay nothing, ever.
We are not owned by any processor. Our recommendations are based on what fits your business, not commission rates.
Deep expertise in US, UK and EU regulatory frameworks, scheme rules, and acquirer relationships across all merchant categories.
Gaming, adult, CBD, crypto, travel, subscriptions. High-risk merchants benefit most from proper matching. We cover them all.
Every recommendation ties to measurable impact: revenue captured, costs reduced, account stability improved.
We do not hand you a list and leave. We introduce you directly to your matched processor and guide the application.
Insights and Resources
No jargon. No filler. Just what you need to know to protect your merchant account and lower your costs.
A complete breakdown of Stripe's pricing for UK businesses. Understand card processing fees, Connect costs, payout charges, and hidden fees that affect your real payment costs.
7 min readCrisis InterventionFunds frozen? Learn the 5 hidden triggers that cause account freezes, immediate recovery steps, and how to find a stable long-term provider.
8 min readExplainerLearn why two similar businesses get very different outcomes from payment providers. Understand how risk models work and how to position your business for approval.
10 min readFAQ
Yes, completely free. We are paid by the payment processors when we make a successful introduction. You never pay us a fee, a commission, or anything else. Our incentive is to find you the right fit, because that is how we get paid.
Most businesses find out the hard way. Run your free profile now and find out before it costs you.
See if you're overpaying60 seconds. No sales call. Free for merchants.