We took on PP as it was already in the shop when we purchased it, they have year on year reduced the commission and put a cap on most of the services. We carried on with them as we are in an area where a lot of customers use electricity keys, commission on these is currently 0.5% but capped at 7p. When we started with them I do remember phone top up used to provide between 7 to 10 % commission now it’s 0.5 %. The introduction of large payments such as TV license, rent and bills cost us dearly. ( a £400 rent payment costs £2.80 to bank, we earn 10p commission) That combined with banking fees increasing is crippling for small shops. PP earn millions and they are not playing fair. Many PP retailers are trapped in contract with long notice periods also. PP know they have a unique product and have no major competitors they also rely heavily on their take which is PP customers buy more in store. But why should we have to mark up other products to cover our PP costs. No other product works like this.