Barclaycard - am I being ripped off?

[Ashley]

Hi Guys, latest rates from Barclaycard:

	Rate	CNP rate	Total Rate
Consumer Debit	0.50%	0.20%	0.70%
Business Debit	0.60%	0.20%	0.80%
Consumer Credit	1.00%	0.20%	1.20%
Commercial Credit	2.00%	0.20%	2.20%

Am I being ripped off? Our spend is approximately £1.5m per annum split reasonably evenly across these rates. The rates have gone up about 60% in some cases by a rise and the addition of a Customer Not Present charge of 0.2%.

We use Sage Pay as our payment processor.

Any advice gratefully received!

[Plantsmans]

My turnover is a fair way below yours and they are charging me much the same, consumer debit is less than your rate, business debit is more, credit the same. Plus the CNP surcharge of course. I use ePDQ as it worked out cheaper than SagePay (who I used to use) for me.