Web Development, Full Funnel Optimization and Payments

I know that the user experience of my site should be much better, but the costs of my web agency are just so high.

The ux of my competitors sites is often better. I’m losing too many clients to them. I need more conversion winners.

I’m suffering from too many drop offs during the checkout process. It’s a conversion killer and it should be improved.

If the costs of my payment solution would be lower, that would free up budget for growth. What are the options to save on this?