Independent payment intelligence
Your payment setup has a number. We find it.
Renlow analyses what you’re paying across your payment stack, identifies where the evidence supports an opportunity, and tells you what to do next.
Free assessment · No card required · No sales call
- Renlow Score, out of 1,000
- Six payment dimensions
- One evidence-backed next move
Free payment position check · from £49 one-off Full Report · from £39/month Renlow Intelligence. See pricing
You answer a short set of guided questions and your assessment appears on screen: your Renlow Score, a quantified annual opportunity where the evidence supports one, and an evidence-backed next move. No card, no account and no one calls you.
Illustrative assessment output
SampleRenlow Score™
663 / 1,000
Solid position, with room to improve
Indicative annual opportunity
£5,098
Stated only where the assessment evidence supports a figure.
Recommendation
Stay with Stripe — Stripe
Your current setup remains the strongest fit based on the evidence provided.
Illustrative example for a fictional UK business — not a customer result.
One score. Six dimensions. One evidence-backed next move.
How it works
From a card tap to a decision.
Follow a single payment through your setup and into Renlow.
A customer taps to pay.
Card terminal
£1,240.00
Present card
One transaction
Every payment your business takes carries a record: how it was made, what it cost you and where it settled. Renlow starts with that record — not with a sales pitch.
01 / 04
What Renlow tells you
Six dimensions decide what you pay.
Renlow reads all six together, because a good rate on a bad contract is not a good deal.
- 01PricingWhat you actually pay to accept a card — rate structure, hidden fees and where interchange-plus beats blended.
- 02ProcessingHow a payment moves once it is taken — acquirer, gateway and where authorisations are lost.
- 03SettlementWhen the money reaches your account, and what a slower cycle costs your cash flow.
- 04RiskChargeback exposure, fraud tooling and resilience to a single point of failure.
- 05Contract termsMinimum terms and exit costs — the terms that outlast the deal that looked good on day one.
- 06ScalabilityWhether the setup still fits as your volume, geography or channels change.
What the free check returns
Four things, on screen, at no cost.
- Your Renlow Score
- Your position across six payment dimensions.
- One specific finding
- What changed and why it matters.
- A quantified opportunity
- Only where the evidence supports one.
- Your assessment
- Saved to a free account so you can return to it.
How opportunity is quantified
Renlow sizes only what it can substantiate — and states nothing where it cannot.
Your annual opportunity is calculated from your own assessment inputs, with every figure carrying its source, the date it was last checked and its assumptions. Where a required input is missing, Renlow states no figure and names what it needs.
How we calculated this
Two labels travel with every figure, and they answer two different questions. One says where the number came from. The other says how far it should be trusted. A figure can come from a published rate and still be a modelled estimate, because the rate is a fact and your future volume is not.
- Where did this number come from?
- The small label beside a figure. It names the source: the provider's own published pricing, an answer you gave us, a named outside benchmark, or Renlow's own model.
- How far should I trust it?
- The confidence line under a figure. It says how much of the figure rests on stated facts rather than on assumptions Renlow has had to make — and, where too much is assumed, no figure is shown at all.
- High
- Built on figures you stated or prices the provider publishes. Treat as a working number and confirm it against a written quote.
- Medium
- Your own figures, with one step Renlow had to model and has named. Check the named assumption holds for your business, then act.
- Indicative
- A direction of travel: how much applies to you is assumed, not observed. Test it before you plan around it. Do not budget on it.
- Withheld
- Renlow is missing an input, so it states no figure rather than guessing one. Supply the named input and the figure appears. Nothing is padded.
- Insufficient
- Not enough evidence for Renlow to make any recommendation here. Nothing to act on yet — the missing evidence is named.
Some providers do not publish their rates. Renlow says 'priced by quote' and states no price for them, rather than inventing a number to fill the comparison. It is not a mark against the provider.
Independence
Independent by design.
Renlow does not receive commission from payment providers. Your position is assessed on the evidence provided — not on which provider pays us. Renlow publishes no customer names, testimonials or savings claims.
- Independent
- Renlow takes no commission, referral fee or introduction fee from any payment provider. Renlow does not need you to switch.
- Evidence-led
- Recommendations are supported by the assessment evidence and a disclosed methodology.
- Business-specific
- The recommendation is based on your actual business and payment profile.
- Honest about quotes
- Some providers do not publish their rates. Renlow says 'priced by quote' and states no price for them, rather than inventing a number to fill the comparison. It is not a mark against the provider.
- Commission from providers
- Renlow is paid by its customers only — never by a payment provider, in any form.
- £0
- Providers assessed
- Your recommendation is chosen from the same assessed set, on your profile alone.
- 8
- Figures without a source
- Every figure carries its source and the date it was last checked, or it is withheld.
- None
The Full Report
See what your finished report looks like.
Score · opportunity · evidence · recommendation
from £49, one-off. The report unlocks against your own assessment, on your own account.
Renlow Full Report · sample
RedactedRenlow Score
Developing
Illustrative example
- Cost Efficiency49
- Provider Fit62
- Revenue Performance53
- Global Readiness50
- Operational Simplicity55
- Risk & Resilience71
Opportunity analysis
Estimated annual opportunity
£20,816
- Move from blended pricing to interchange++ with Worldpay£2,304
- Keep a second, independent way to take a card payment£5,400
- Move off a single flat rate onto a debit and credit split£1,521
Provider assessment
Current setup
Assessed against
Stripe
- Payment methods
- Business model
- Geography
- Scalability
Evidence and sources
- Published provider pricing, with the date each price was last checked
- The volumes, mix and average payment you reported
- Every assumption named beside the figure it affects
- Anything withheld, and what Renlow needs to state it
Recommended action
Recommendation
Explore moving to Square: it fits your requirements and models about £1,838 a year below your current estimated cost. Get that in writing before you move anything.
- 01Move from blended pricing to interchange++ with Worldpay
- 02Keep a second, independent way to take a card payment
- 03Move off a single flat rate onto a debit and credit split
Illustrative example for a fictional UK business — client-identifying detail redacted.
Extract from the sample report. Read it in full
Renlow Intelligence
Keep knowing.
Renlow Intelligence turns your payment assessment into an ongoing view of what changed, why it matters and what to do next.
from £39/month
Renlow Intelligence
Cancel any time from your account — access runs to the end of the month you have paid for.
Renlow Intelligence · Sample data — fictional business
ExampleRenlow Score™
704 / 1,000
Up 18 points since the previous assessment
Potential annual opportunity
£4,280
Down £310 since the previous assessment
- What changed · Cost Efficiency
- Blended rate moved above the band for your card mix.
- You now pay the same fee on every card type, so your mix costs more than it needs to.
- What to do next
- Request interchange-plus pricing from your current provider before you renew.
Example for a fictional UK business. No customer figures are shown.
Pricing
Start free. Pay only if it is worth it.
The payment position check costs nothing and needs no card. Everything beyond it is priced openly. Payment volume covers the scale of your payment operation, including online and in-person payments.
One-off payment
£49
Full Report
The complete answer on your position today.
- Six-pillar analysis in full
- Every identified opportunity, with its evidence
- Provider assessment and recommended actions
- Yours to keep
Monthly
£39/month
Renlow Intelligence
An ongoing view of what changes.
- Your position kept on your account
- New opportunities as your position moves
- Provider and pricing developments
- Intelligence dashboard and history
Renlow does not automatically monitor your payment data. Your position is restated when you return and reassess with updated information. Renlow Intelligence keeps that position, your history and your decision dates on your account.
| Monthly payment volume | Full Report | Renlow Intelligence |
|---|---|---|
| Under £20,833 | £49 | £39/month |
| £20,833 to under £83,333 | £79 | £79/month |
| £83,333 to under £416,667 | £149 | £149/month |
| £416,667 to under £1,666,667 | £299 | £199/month |
| £1,666,667+ | £499 | £399/month |
The scale of your payment operation determines the price — not the depth of the answer.
If you take payments in person, the figure is what you take on cards each month. If you take payments online, by invoice or on a subscription, it is what you take in payments each month. Either way it is the same monthly figure, and it decides the tier in the same way.
The figure is the one you give Renlow in the assessment. Renlow does not check it against your bank, your provider or your statements, and does not claim to.
Questions
What Renlow is, and is not.
See what Renlow finds in your business.
Free assessment · No payment required