£70k a year in card fees — a few percent on every deposit, small enough it never gets a second look.
Cards win on small deposits. It's the big ones where it adds up.
Not a rebuild: route the big deposits to Pay by Bank, keep the rest where they are.
Run your own numbers — link below.
Pay by Bank is live in the UK.
Customers pay straight from their bank account.
No card numbers, no percentage fees — one fixed fee per transaction, over Faster Payments.