The Kredo blog
What we learn negotiating your rates, written down.
No thought leadership. Just the checklists, pricing models and switch plans our brokers use with real clients — so you can hold your own provider to the same standard.
9 articles
The true cost of payroll liability, line by line
Most quotes hide the cost of liability inside a headline percentage. Here is how to pull a payroll quote apart and compare providers like for like.
Read the articleJames Whitfield · Head of payroll brokering · 8 September 2026 · 8 min read
- In this piece
- A headline percentage is not a price — ask what sits inside it.
- Liability transfer, RTI filing and pension handling are often billed separately.
- Compare on cost per employee per pay run, not on percentage of gross.
The true cost of payroll liability, line by line
Most quotes hide the cost of liability inside a headline percentage. Here is how to pull a payroll quote apart and compare providers like for like.
Interchange-plus vs blended pricing: which one is quietly costing you
Blended card rates feel simple and often are more expensive. A short guide to reading your merchant statement and knowing which model fits your mix.
What a broker owes you — and what to walk away from
Brokering only works when incentives are visible. Six questions to ask any intermediary before you let them near your pricing.
An IR35 checklist for businesses running contractor payroll
Status determination, reasonable care and the paper trail HMRC expects. A practical checklist for finance teams paying contractors at scale.
Switching payment provider without a single hour of downtime
A two to three week migration plan for card acquiring, from parallel running to terminal swap-out and settlement reconciliation.
Reward points as a treasury lever, not a perk
Air miles and cashback earned on business spend are a measurable return. How to value them properly and decide which programme to sit in.
Rate drift: why your pricing gets worse while you do nothing
Scheme fee increases, PCI charges and quiet re-tiering mean a good deal decays. What to review, and when.
Payroll funding and the 72 hours that decide your month
Cut-offs, funding windows and what actually happens when a pay run is short. A cash-flow view of payroll operations.
KYB onboarding: the documents to have ready before you start
Underwriting delays are almost always document delays. The exact pack that gets a business approved first time.
Want this applied to your own numbers?
Send us three statements and a broker will come back with a like-for-like comparison within one working day. Free, with no obligation to switch.