One payment, made clear
What does this card transaction really cost?
Enter the sale value, the percentage rate and the fixed pence charge. You will see the fee taken and what remains from the payment.
Percentage charge: a slice of the sale value.
Fixed charge: the pence amount added to each transaction.
Net amount: the sale value less both charges.
Your result
Enter the figures above to see the breakdown.
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
From my bill
Enter one period's card turnover and all the fees paid for that same period.
Work backwards from your bill
Use the statement total for the same period.
Known fixed charges are a subset of the bill, so do not add them twice.
Detailed merchant fee estimate
Advanced
Enter the card mix by value of sales. Put all monthly fixed charges into the relevant boxes. Leave unused fees at zero.
Compare another provider
Compare alternative rates and fees
Use identical turnover, card mix and transaction count for both providers.
How the figures work
Effective overall rate = all fees ÷ card turnover × 100. This includes fixed charges. In advanced mode, each card category's fee is its share of turnover multiplied by its rate; transaction charges and monthly fees are then added. The alternative uses the same turnover and transaction count.
These are estimates, not a quote. Card type by sales value may differ from card type by transaction count. Refunds, chargebacks, international cards, minimum charges, tiered pricing, interchange-plus structures, VAT treatment and billing dates can change an actual statement. Check your contract and statement before switching.
A small example
Percentages feel abstract until you see the pence.
£50.00
Payment value
£0.95
1.5% plus 20p fee
£49.05
Amount left after fees
Useful context
One transaction is a lens, not the whole bill.
A per-payment calculation does not include terminal rental, PCI fees, monthly minimums, refunds, chargebacks, or different rates for other card types. To see the total cost of accepting cards, use your merchant bill in the main calculator.