Card payment savings
calculator
Enter your statement figures — rates, ratios, and fixed fees — to see your estimated saving.
Total card turnover from your statement this month.
Total monthly turnover
Number of transactions
Total auth count per month
Number of terminals
Card machines / POS devices
Enter each card type's rate and its share of your total volume. Ratios should add up to 100%.
Rate
Ratio of total volume
Rate
Ratio of total volume
Rate
Ratio of total volume
Authorisation fee
Per-transaction fee — in pence
Fixed monthly charges from your statement.
Terminal rental / service fee
Per-terminal monthly charge
Dashboard / gateway fee
Portal, reporting, or gateway subscription
Fill in your statement figures and click Calculate My Savings.
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Where to find these figures
Everything you need is on your monthly merchant statement.
Card type rates & ratios
Look for a 'Card type breakdown' section. It shows each card type's rate (%) and its share of your total volume — that's your ratio.
Authorisation fee
Listed as 'Auth fee', 'Authorisation charge', or 'Per-transaction fee'. Usually shown in pence (e.g. 3p or £0.03 per transaction).
Fixed monthly charges
Check the fixed charges section for terminal rental, service plan, PCI compliance fee, and any gateway or dashboard subscriptions.
How this card fee savings calculator works
The calculator estimates your current annual processing cost from the figures you enter, then applies an illustrative saving range. It is a starting point for comparing a statement—not a quote, guarantee or recommendation.
Use a recent statement
Enter a typical trading month where possible. The more accurately you enter card mix, transaction count and fixed fees, the more useful the estimate becomes.
Compare like for like
A provider's total cost can include transaction rates, authorisation fees, terminal rental, PCI or gateway fees and contract terms.
Ask for an exact review
PurePay can review the actual statement and explain the assumptions, alternatives and any switching considerations before you make a decision.
Learn more about comparing card machines and how PurePay is paid.
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