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Pricing

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Your total card acceptance in previous 12 months
Please input your total charges in the last 12 months
Your average transaction value

Please select your merchant category

If your annual card over is above £150K, our team can advise on bespoke pricing

Your costs for accepting common individual card payments 5

MasterCard
UK-based Card Debit2 Credit3 Business4
In person6 1.40% 1.40% 1.99%
Online 1.40% 1.40% 1.99%
Phone7 1.40% + 50p 1.90% 2.49%
Visa
UK-based Card Debit2 Credit3 Business4
In person6 1.40% 1.40% 1.99%
Online 1.40% 1.40% 1.99%
Phone7 1.40% + 50p 1.90% 2.49%
Additional charges per transaction
Additional charges per transaction Authorisation fee 5p
Authorisation fee 5p
Other potential transction charges Chargeback fee £28.00 Refund fee 50p
Refund fee 50p

Example

If your customer uses a Mastercard personal debit card in person to purchase a £10 item, you would pay:

14p
(1.4% of
£10.00) 		5p (Authorisation fee) =19p

If your customer uses a Visa personal credit card by phone to purchase a £10 item, you would pay:

19p
(1.9% of
£10.00) 		+5p (Authorisation fee) =24p

Example

If your customer uses a Mastercard personal debit card in person to purchase a £10 item, you would pay: 14p
(1.4% of £10.00) 		5p
(authorisation fee) 		=19p
If your customer uses a Visa personal credit card by phone to purchase a £10 item, you would pay: 19p
(1.9% of £10.00) 		5p
(authorisation fee) 		=24p

Other monthly charges

Point of sale terminal (per terminal per month) £20.00 (+VAT)
Gateway8 £9.95
PCI DSS service fee9 £4.95 (+VAT)
Minimum monthly service charge (MMSC)10 £24.95
Account on File Fee (per month)11 £3.99
PCI Non-Compliance (per month) £35.00 (+VAT)
Reporting Fee (per month) - free for 3 months £12.95

Other details

Settlement time 24 working hours
Payment brands accepted VISA
MasterCard
American Express
  1. The proportion of your transactions represented by each card type.
  2. Personal debit cards
  3. Personal credit cards
  4. Business debit cards
  5. These are the most commonly used cards for most merchants. You pay us a percentage of each card payment you receive. This varies depending on the type of card. You may also accept other card brand and types, which may cost more. You can see the cards you accept in your transaction information.
  6. A card payment where the card, cardholder and merchant are all in the same place.
  7. A card payment where the card, cardholder and merchant are not all in the same place.
  8. Starting from £9.95 per month or £99.45 per annum. Higher charges may apply depending on your card turnover.
  9. Charges relating to your compliance with card security and anti-fraud standards.
  10. This is the minimum amount you will pay per month for transaction charges. If your total transaction charges are higher than your MMRC, this charge does not apply.
  11. Charged 12 months in advance