Your independent payment switching service provider
Payment Performance Optimisation Services
Independent consultancy to help UK businesses improve payment acceptance rates, reduce transaction costs and enhance payment system reliability
Payment Performance Review
Comprehensive analysis of your current payment infrastructure to identify opportunities for improving acceptance rates, reducing costs and enhancing system reliability.
Payment Infrastructure Optimisation
Strategic recommendations and implementation support to enhance your payment systems, with our independent, provider-agnostic approach ensuring the best outcomes for your business.
Managed Payment Provider Migration
End-to-end project management for seamless payment provider transitions, minimising disruption and ensuring business continuity throughout the migration process.
Frequently Asked Questions
Payment acceptance rate is the percentage of payment attempts that are successfully approved. A higher acceptance rate means more transactions are completed, directly increasing revenue. Factors affecting acceptance rates include card issuer rules, fraud screening settings, payment routing and technical configuration.
Acceptance rates can be improved through better payment routing, optimised fraud settings, updated payment technology, improved data quality at checkout and working with providers that have strong issuer relationships. Payment Lynk reviews these factors and identifies specific opportunities for improvement.
Yes. Even small improvements in acceptance rates can have a significant revenue impact. For example, improving acceptance from 85% to 90% means 5% more transactions are completed. For a business processing £1 million annually, that represents £50,000 in additional revenue.
Transaction costs can be reduced through competitive pricing reviews, optimised interchange qualification, reduced cross-border fees, elimination of unnecessary charges and improved payment routing. Payment Lynk analyses your current cost structure and identifies where savings can be achieved.
Yes. Many elements of payment pricing are negotiable, particularly for businesses with established transaction volumes. However, pricing structures are complex and comparing providers requires detailed analysis. Payment Lynk helps businesses understand their current costs and negotiate better terms.
No. The lowest headline rate may not deliver the best overall value. Factors such as acceptance rates, system reliability, settlement speed, customer support and technical capabilities all affect business performance. Payment Lynk evaluates providers based on total value, not just cost.
Payment system uptime measures how reliably your payment infrastructure operates. Even brief outages can result in lost sales, customer frustration and reputational damage. Payment Lynk assesses current reliability and recommends improvements, including backup payment routing where appropriate.
Yes. Single provider dependency creates concentration risk. If that provider experiences an outage or technical issue, all payment processing stops. Many businesses now implement backup payment routing to maintain continuity. Payment Lynk can assess whether this approach is appropriate for your business.
Settlement timing varies by provider and payment method. Traditional card payments typically settle in 2-3 business days, though some providers offer next-day or same-day settlement. Faster settlement improves cash flow and working capital. Payment Lynk reviews settlement terms and identifies opportunities for improvement.
Yes. Settlement speed can often be improved by switching to providers that offer faster settlement terms, negotiating improved terms with existing providers or using payment methods with inherently faster settlement such as Open Banking. Payment Lynk evaluates options based on your business needs.
A payment technology refresh involves updating payment systems to modern platforms that offer better performance, security and functionality. This may include upgrading payment terminals, implementing new payment methods, improving online checkout experiences or migrating to more capable payment providers. Payment Lynk manages this process to minimise disruption.
Get Your Recommended Payment Providers
Answer a few quick questions about how your business trades, and we'll recommend up to three payment providers that match your commercial needs — not just the familiar names.
Tailored recommendations based on your business profile
Commercial fit over brand popularity
Independent, agnostic advice
Takes less than 2 minutes • No obligation • Free recommendations
Quick Qualification
Simple questions, smart results
Business Type
Online & In-person
Trading Regions
UK & Europe
Business Size
SME to Mid-market
Switching Payment Providers Made Simple
A straightforward payment technology upgrade process designed to deliver improved uptime with minimal disruption
Review Your Current Setup
Analyse your existing payment infrastructure, acceptance rate performance and transaction cost structure to identify optimisation opportunities.
Identify Improvements
Pinpoint specific opportunities to increase payment acceptance rates, reduce transaction costs and enhance payment system uptime and reliability.
Recommend Providers
Present independent recommendations for payment technology refresh that match your needs and deliver improved performance.
Manage Transition
Execute a managed payment provider migration with careful planning, testing and ongoing support for quicker payment settlements.
Common Questions
Yes. Many reliability improvements can be achieved through configuration changes, updated fraud settings, improved payment routing or technical optimisation. However, in some cases, provider limitations mean that switching is the most effective solution. Payment Lynk assesses both options.
Switching providers involves risk, but this can be managed through careful planning, thorough testing and phased implementation. Payment Lynk specialises in managed payment provider migrations that minimise disruption and maintain business continuity throughout the transition.
Why Payment Performance Matters
Every declined payment, system outage and excessive fee impacts your bottom line. Optimising payment performance delivers measurable business benefits
Increased Acceptance Rates
Capture more successful transactions by optimising payment acceptance rates and reducing false declines through better routing and provider selection
Reduced Transaction Costs
Lower your payment processing expenses through strategic provider comparison and negotiation, optimised interchange rates and efficient routing
Enhanced System Reliability
Improve uptime and resilience with robust failover strategies, redundancy planning and proactive monitoring of your payment infrastructure
Faster Settlement Times
Accelerate cash flow with quicker payment settlements, optimised reconciliation processes and improved working capital management
About Payment Lynk
Payment Lynk is an independent UK payment consultancy dedicated to helping businesses optimise their payment infrastructure and performance. We specialise in increasing payment acceptance rates, reducing transaction costs and ensuring seamless payment provider transitions.
With deep expertise in the UK payment market and a provider-agnostic approach, we deliver objective advice and strategic guidance that puts your business interests first. Unlike payment providers or tied consultancies, we have no commercial relationships with processors, ensuring our recommendations are truly independent.
Our founder brings extensive experience in payment technology, having worked with businesses across retail, e-commerce, hospitality and professional services sectors. We understand the complexities of modern payment ecosystems and the critical importance of payment performance optimisation to business success.
Whether you're looking to compare payment providers, improve acceptance rates, reduce costs or manage a payment provider migration, Payment Lynk provides the expertise and support you need to achieve optimal payment performance.
Our Mission
To help UK businesses achieve optimal payment performance through independent expertise and data-driven optimisation
About Payment Lynk
Payment Lynk is an independent payment consultancy that helps businesses improve payment acceptance rates, reduce transaction costs, increase reliability, improve settlement speed and modernise payment infrastructure.
No. Payment Lynk does not process payments or handle customer funds. The company provides independent advice and manages the review and switching process.
Payment Lynk works with businesses that want better payment performance, clearer costs and more reliable payment systems without unnecessary disruption.
The first step is a payment performance review to assess acceptance rates, costs, uptime, settlement speed and technology.
Get in Touch
Ready to improve your payment performance? Contact us for a no-obligation consultation.