We're able to offer lower card pricing with Link because it has much higher conversion rates (7% for logged-in Link customers, 2% overall). It's clear that the

We're able to offer lower card pricing with Link because it has much higher conversion rates (7% for logged-in Link customers, 2% overall). It's clear that the card networks are committed to their higher fees. As a result, we’ve invested in lower cost options. That doesn't have to be Link (although it has tangible benefits), as there are cheaper non-card payment methods: • Bank transfers (0.5% per transaction, capped at €5.00) • SEPA Direct Debit (€0.35 per transaction) • Bacs Direct Debit (1% starting at 20p, capped at £2)