Card Machine Fee Calculator
Plug in your numbers and see what you'd pay across the main UK providers — monthly, annually, and as an all-in effective rate.
Your numbers
≈ 417 transactions / month
Lowest estimated monthly cost
Varies by card type; instant settlement.
| Provider | Processing | Monthly total | Annual | All-in rate |
|---|---|---|---|---|
| myPOS (lower tier) | £84.19 | £84.19 | £1,029 | 1.68% |
| SumUp (standard) | £84.50 | £84.50 | £1,033 | 1.69% |
| Square | £87.50 | £87.50 | £1,069 | 1.75% |
| PayPal Zettle | £87.50 | £87.50 | £1,079 | 1.75% |
| Tyl by NatWest (est.) | £75.00 | £90.00 | £1,080 | 1.80% |
| Dojo (est. blended) | £90.85 | £105.85 | £1,270 | 2.12% |
This calculator is an estimate. Actual rates can vary by card type, provider plan, contract and business profile. Quote-based providers (e.g. Dojo, Tyl) are shown with illustrative blended rates only. Always check provider terms before signing.
Calculator FAQs
How accurate is this fee calculator?
It's an estimate for comparison only. It uses each provider's headline in-person rate and known fees. Real pricing varies by card type, plan and contract — and quote-based providers (Dojo, Tyl) are shown with illustrative blended rates. Always confirm with the provider.
Why does a no-monthly-fee provider sometimes win?
At lower volumes, a monthly fee can outweigh a slightly lower transaction rate. The calculator flags when a no-fee option is the safer bet for your turnover.
Does the calculator include hardware costs?
It spreads the one-off reader cost across your contract length (minimum 12 months) in the annual figure, so you can compare total cost of ownership rather than just the rate.
How we compare
We compare providers using publicly available pricing, contract information, hardware costs, payout details, software features and suitability for different UK business types. Some links may earn us commission, but providers cannot pay to change our editorial verdicts. Read our full methodology.