01
Use your real bill
Include fixed charges so the rate reflects what left your account.
Independent UK calculator
Find the cost hiding in your card payments.
Card Fee Check turns a merchant bill, a card-machine quote, or one payment into a clear answer in pounds and pence.
No card details · No provider recommendation · Calculated in your browser
Start with the figures you have
Three ways to get to your real rate.
Choose the mode that matches your paperwork. These are estimates, but they include the fixed costs that headline rates leave out.
Quick effective rate
Work backwards from your bill
Use the same month for turnover and fees. Include terminal rental, PCI and other charges if they are in the bill.
See the statement walkthrough if you are not sure which charges belong in the total.
Detailed merchant estimate
Add the parts of your pricing
This simplified estimate uses your blended rate, per-transaction charge, and fixed monthly costs.
Provider comparison
Put two monthly costs side by side
Enter the cost you pay now and the alternative quote. Keep the period and VAT basis consistent.
Estimates can differ from a statement because of refunds, chargebacks, international cards, minimum charges, tiered pricing, VAT treatment, or billing dates. Check your contract before switching.
Why it helps
A clearer view of the costs behind the headline rate.
Built for owners who want enough detail to make a decision, without becoming payments specialists.
02
See pounds and pence
Turn percentages into a monthly and annual cost you can compare.
03
Stay provider-neutral
No recommendation, referral pressure, or statement upload.
04
Keep control of your data
Your figures are calculated on this device in your browser.
Know what to ask next
A quote is only useful when you can compare it with the cost of your current setup.
Prefer a personal conversation?
Want personalised help?
Speak to an expert who can help you make sense of your card machine costs and options.