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.

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.