Card Processing Fee Calculator
Instantly estimate your monthly credit and debit card processing fees based on transaction volume, average ticket size, and merchant rates.
Calculate Your Processing Costs
Enter your business transaction details below to get an instant, accurate estimate of your monthly card processing fees. Perfect for budgeting and comparing payment providers.
Fee Estimator
Fill in your transaction details to see your estimated fee breakdown
Total card payments per month
Average amount per transaction
e.g., 1.75% for flat-rate providers
e.g., 20p per transaction
Estimated Monthly Fees
Breakdown based on your inputted volume and rates
Average UK Processing Rates
Estimated average card processing rates in the UK. Note that interchange fees for consumer debit cards are capped by UK/EU regulation, making them significantly cheaper to process than credit cards.
| Card Type | Typical Rate (%) | Typical Fixed Fee | Notes |
|---|---|---|---|
| Consumer Debit | 0.2% – 0.3% | 10p – 20p | Regulated interchange cap |
| Consumer Credit | 1.2% – 2.0% | 10p – 20p | Standard Visa/Mastercard |
| Premium / Corporate | 2.5% – 3.5% | 10p – 20p | Amex, corporate rewards cards |
| Flat-Rate Aggregator | 1.4% – 1.75% | 20p – 25p | e.g., Stripe, SumUp, Square |
Card Processing FAQ
Everything you need to know about merchant fees, payment gateways, and reducing your processing costs.
Card processing fees are typically calculated using a combination of a percentage rate and a fixed fee per transaction. For example, a rate of 1.5% + 20p on a £50 transaction would result in a fee of £0.75 (1.5% of £50) + £0.20 (fixed fee), totaling £0.95.
In the UK, typical card processing fees range from 0.2% to 0.3% + 20p for consumer debit cards (due to interchange fee caps), and 1.2% to 2.5% + 20p for consumer credit cards. Premium or corporate cards may incur higher rates of 2.5% to 3.5%.
Flat-rate pricing charges a single, predictable percentage and fixed fee for all transactions (e.g., 1.75% + 20p), making it simple but potentially more expensive for high-volume businesses. Interchange-plus pricing passes the exact wholesale interchange fee to the merchant, plus a small, fixed markup, which is often cheaper for businesses processing over £10,000 per month.
Yes, some providers may charge additional fees such as monthly account fees, chargeback fees, PCI compliance fees, or early termination fees. Always read the merchant agreement carefully and use a calculator to estimate your true effective rate.