How card machine fees work
Understand transaction rates, authorisation charges, terminal costs, and why two offers with the same headline rate can cost very different amounts.
Compare card machine costsMerchant services guides
Practical card payment guidance for UK businesses.
Clear explanations to help you understand card machine pricing, compare merchant services, and make a better decision before you sign a contract.
How to switch provider safely
Check the contract end date, exit terms, settlement timing, and hardware requirements before moving to a new card machine or merchant services provider.
Estimate your potential savingMatch payments to your business type
Restaurants, salons, independent retailers, and mobile businesses all have different transaction patterns and hardware needs.
Explore industry optionsA five-point comparison
Compare like-for-like before you choose.
Transaction mix
Separate debit, credit, business, and international card rates.
Fixed charges
Check terminal rental, PCI-related fees, and minimum monthly charges.
Contract terms
Understand length, notice periods, and possible early-exit costs.
Hardware fit
Make sure the terminal or EPOS setup suits how your team takes payments.
Support & payout
Compare settlement timing and the level of help available when things go wrong.
Questions people ask
Merchant services FAQs
What should I compare when choosing a card machine?
Compare the total expected monthly cost, not just the advertised transaction rate. Include debit, credit and business-card rates, terminal charges, authorisation fees, minimum monthly charges, contract length, and support.
When is it worth reviewing a merchant services contract?
Review your setup when turnover changes, you add terminals or an EPOS system, your renewal date approaches, or you notice charges you do not understand. A review can also clarify whether an early switch makes financial sense.
Do lower card processing rates always mean lower costs?
No. A lower rate can be offset by higher monthly, terminal, or transaction charges. The best option depends on your transaction volume, card mix, and the way you trade.
Want a comparison based on your own figures?
Use the free calculator for an initial estimate, then request a no-obligation review for a full like-for-like comparison.