What 2% Fees Actually Cost Your Business Over Time
May 30, 2025
Super Thinking
Introduction
A 2% payment processing fee might seem small. But for a growing UK business turning over millions per year, that 2% becomes a serious cost centre.
Let’s look at how these fees quietly erode your profits — and how switching to Super Payments, with 0% fees on most payment options, can save you hundreds of thousands over time.
The 2% Problem
Example:
You process £5,000,000 per year in online revenue
A 2% fee = £100,000 lost annually to payment charges
This does not include additional costs like:
Refund fees (which many providers do not reimburse)
Currency conversion charges
Chargebacks and administrative overhead
3-Year Impact at Scale, Assuming Business Growth
Year | Revenue Processed | 2% Fee Paid | Cumulative Lost Revenue |
|---|---|---|---|
2025 | £5,000,000 | £100,000 | £100,000 |
2026 | £6,500,000 | £130,000 | £230,000 |
2027 | £8,000,000 | £160,000 | £390,000 |
By the end of 2027, you've spent nearly £400,000 on fees — money that could have been reinvested into your team, your product, or your growth.
Why Super Payments Is Different
0% fees on most major UK payment methods
Charges only the true network cost on others
Same-day settlements to UK accounts
Transparent, no hidden markups or platform fees
Super helps UK businesses of all sizes — including scale-ups and enterprise merchants — protect their margins and reclaim revenue lost to traditional processors.
Final Thought
At scale, 2% is not a small cost — it's a serious operational expense. Switching to Super Payments can save your business hundreds of thousands over just a few years.
Why give that money away when you can keep it and reinvest?
Dan Ferner, Growth
June 30, 2025
Super Thinking
