ratechecker
How It Works

How it works

From comparison to onboarding in minutes, not days. Upload your details, compare your options, and get set up quickly-with no sales calls or pressure.

The Process

Four simple steps to better rates

Our streamlined process makes it easy to find the best deal for your business

Step 1

Upload or Enter Your Details

Upload a recent statement from your current provider for the most accurate pricing, or enter your details to get a new business quote.

  • Upload your merchant statement (PDF or image)
  • Our AI extracts key data automatically
  • Alternatively, enter your monthly turnover manually
  • Works for both existing and new businesses
Step 2

AI Analysis & Matching

Our AI analyses your statement, identifies savings, and matches you with the best card machines and rates for your business.

  • Instant analysis of your current rates
  • Comparison across multiple providers
  • Identification of hidden fees
  • Personalised savings calculation
Step 3

Build Your Solution

Choose from free hardware packages and flexible terms, select your hardware, and enable integrated tools to support and grow your business.

  • Select from premium card terminals
  • Choose contract length that suits you
  • Add business tools and integrations
  • Customise your payment setup
Step 4

Complete Onboarding

Enter your business details and let our AI onboarding do the work. Get approved in as little as 15 minutes, with free next-day card machine delivery.

  • AI-assisted application process
  • Quick approval (as fast as 15 minutes)
  • Free next-day delivery available
  • Dedicated support throughout
Why Ratechecker

The smarter way to find payment solutions

We've made comparing card machine providers simple, fast, and completely free

Save Time

Get quotes in under 60 seconds instead of spending hours comparing providers

No Pressure

No sales calls, no commitment - just transparent pricing and honest comparisons

Accurate Pricing

Upload your statement for exact savings calculations, not estimates

Free Hardware

Access to free card machines and terminals from leading providers

Fast Setup

Next-day delivery and quick approval means you can start accepting payments fast

Ongoing Support

Dedicated support to help you every step of the way

See how much you could save

Get a personalised quote in 90 seconds, no obligation, no sales calls.

ratechecker

Digital statement analysis and personalised card payment quotes in under 90 seconds, built to empower businesses.

Platform

Copyright © 2026 Layopay Limited | All Rights Reserved

Ratechecker is a trading name of Layopay Limited. Registered in England Number: 14517140. Registered Office: Fulford House, Newbold Terrace, Leamington Spa, Warwickshire, CV32 4EA. Layopay Limited is registered with the ICO - Information Commissioner's Office (Registered Company No: ZB729065)

Layopay Limited is licensed and regulated by Visa and Mastercard as an ISO (Independent Sales Organisation) and Member Service Provider to conduct merchant account or transaction processing solicitation, sales, customer service, merchant training activities and / or solicitation and sales of POS terminals and / or mPOS devices.