UK card-payment tools and calculators
Free calculators that plug into real UK acquirer pricing. Headline rates lie. Below £4k monthly volume the no-contract 1.69% deal beats the bundled 1.4%; above £8k monthly it flips. The tools below model the actual blended cost so you can compare like-for-like before requesting a quote.
Total Cost of Acquiring (TCA) calculator
Blended UK card-machine cost across MSC, monthly fee, per-transaction rate, chargeback fee and scheme fees. Worked examples per acquirer.
Fees calculator
True 12-month effective cost across SumUp, Square, Zettle, Dojo, Worldpay. Enter monthly volume and average transaction; see blended cost.
All-in effective rate calculator
Your true rate from your own statement lines: MSC, authorisation pence, PCI fee, minimum monthly service charge, terminal rental. Instant result.
UK-EU cross-border interchange calculator
What the post-Brexit 1.15% / 1.50% interchange on EEA-issued online cards costs your business versus the 0.2% / 0.3% domestic caps.
Mystery charge decoder
Paste an unfamiliar card descriptor (SQ *, WP*, PADDLE.NET*) and find out which UK payment processor it is and what the charge usually means.
Why these tools exist
Most UK acquirer comparison sites quote headline rates without modelling monthly fees, contract length, exit charges, chargeback handling or scheme-fee pass-through. The headline number is the wrong input for a decision that compounds across 12 months of trading.
Plug your numbers in. The calculator will tell you which structure (bundled vs interchange-plus, contract vs no-contract, monthly-fee vs zero-fee) beats which on your trading shape. Then come back to /get-quotes/ for matched offers.