FREE · NO SIGN-UP
Card machine fee calculator
Divide all relevant monthly card-payment costs by card turnover for the same month. Multiply by 100 to express the result as a percentage.
What to include
- Processing charges, including percentage and transaction fees.
- Terminal rental and other applicable fixed payment costs.
- Relevant costs once, with consistent VAT treatment.
For seasonal trading, divide the combined costs for several months by the combined card sales. Do not take an unweighted average of monthly percentages.
What’s your effective rate?
Your total monthly payment costs, as a percentage of your card sales.
Include processing, terminal rental and other payment charges for the same month. Use a consistent VAT basis.
This is a calculation, not a market rating or a savings estimate.
Illustration: £400 of total costs on £25,000 of card sales is 1.60%, or £16 per £1,000 processed. Twelve identical months cost £4,800. This is arithmetic, not a market benchmark or a saving claim.
When changing provider may not help
If exit and setup costs exceed the likely benefit during the remaining decision period, or the proposed setup does not meet your operational needs, keeping the current arrangement may be sensible. Compare the full commitment before cancelling.
Calculate switching break-even →