01
Use your real bill
Include fixed charges so the rate reflects what left your account.
Independent UK calculator
Find the cost hiding in your card payments.
Card Fee Check turns a merchant bill, a card-machine quote, or one payment into a clear answer in pounds and pence.
No card details · No provider recommendation · Calculated in your browser
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.
Why it helps
A clearer view of the costs behind the headline rate.
Built for owners who want enough detail to make a decision, without becoming payments specialists.
02
See pounds and pence
Turn percentages into a monthly and annual cost you can compare.
03
Stay provider-neutral
No recommendation, referral pressure, or statement upload.
04
Keep control of your data
Your figures are calculated on this device in your browser.
Know what to ask next
A quote is only useful when you can compare it with the cost of your current setup.
Prefer a personal conversation?
Want personalised help?
Speak to an expert who can help you make sense of your card machine costs and options.