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Our card payments service

This summary shows our charges for card payments, and other important information about our service. You can use this to compare our service with other providers, to find the best deal for you. We are required to provide this information by the Payments Service Regulator.

Your costs for accepting common individual card payments5
MasterCard
UK-based card Debit2 Credit3 Business4
In Person6 % + p % + p % + p
Online/phone7 % + p % + p % + p
Visa
UK-based card
 Debit2 Credit3 Business4
In Person6
 % + p % + p % + p
Online/phone7
 % + p % + p % + p
Additional charges per transaction
Authorisation fee £
Other potential transaction charges
Chargeback fee £
Revival fee £
Example
If your customer uses a MasterCard personal debit card in person to purchase a £10 item, you would pay:

+ 0p
(authorisation fee)
If your customer uses a VISA personal credit card online or by phone to purchase a £10 item, you would pay:

+ 0p
(authorisation fee)
Other monthly charges11
Point-of-sale terminal (per terminal per month)12
Gateway8
PCI DSS service fee9
Minimum monthly service charge (MMSC)10
Other details
Settlement time Transaction Date + 1 working day
Payment brands accepted VISA
MasterCard
American Express
Diners
UPI
JCB
  1. The proportion of your transactions represented by each card type.
  2. Personal debit cards.
  3. Personal credit cards.
  4. Business debit cards.
  5. This is an indicative quote based upon the most commonly used cards for most merchants. You pay us a percentage of each card payment you receive plus a flat pence rate. This varies depending on the type of card. You may also accept other card brand and types, which may cost more.
  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. A service for capturing and transferring payment data. If you have a Gateway with a Third Party, no fees will be displayed here. Please check Gateway fees with your third party provider for comparison purposes
  9. Charges relating to your compliance with card security and anti-fraud standards.
  10. The amount you pay if your monthly transaction charges do not meet a minimum agreed amount.
  11. Additional pricing elements may apply depending upon the type of transactions and cards taken in month.
  12. Cost of a standard card terminal.