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The published card rates, monthly fees and terminal prices of 18 UK card machine providers, read from their own pricing pages on 26 October 2026, with worked yearly costs at three sizes of business. Journalists and researchers may quote these figures with a link to this page.
Published rates from every major UK card machine provider, plus the quoted rates that only come on request. You see them side by side, on your own takings.
The short answer
Of 18 UK card machine providers, 12 publish an in-person card rate and 6 quote only, read 26 October 2026. The lowest published rate is Revolut's, from 0.8% + 2p on UK consumer Visa and Mastercard. The highest flat rate is 1.75%, charged by Square and Zettle. At £10,000 a month and a £20 average sale, published card fees range from £1,080 to £3,000 a year.
Published prices read 26 October 2026 from each provider's own pricing page. Quote only means the provider gives rates on request; we obtain those for you.
| Provider | In-person card rate | Monthly fee | Card machine | Contract | Payouts |
|---|---|---|---|---|---|
| SumUp Source | 1.69% pay as you go, or 0.99% on Payments Plus (domestic cards) | £0, or £19 on Payments Plus | Solo Lite £25, Solo £79, Terminal £135 (ex VAT), bought outright | None, cancel anytime | Next day, 7am, weekends included |
| Dojo Source | 1.2% blended under £100k a year; custom above | £0 Essential; Plus £11.99 new customers (£25 list) | Go Max £149 or £25 a month; Pocket £239 or £20; Wired £179 or £15 | 30-day rolling or 12-month fixed (custom rate) | Next day |
| Square Source | 1.75% UK cards; +1.5% non-UK cards | £0, or Plus £29+ | Reader £19; Terminal £149 (ex VAT) | None, cancel anytime | Next day free; instant for 1.95% |
| Zettle Source | 1.75% all major cards | £0 | PayPal Reader from £29; Terminal £149 (ex VAT) | None | Within minutes to PayPal balance |
| Worldpay Source | Quote only | Terminal £20 a month (indicative) | Rental, quote | Minimum 18 months | Next day |
| takepayments Source | Quote only | Not published | Not published | 12 months | Next day |
| Teya Source | Quote only | Not published | Not published | No lock-ins stated | Next day, weekends included |
| Flatpay Source | 1.49% all cards (terminal, under £200k a year) | £0 | Payment terminal free to start | Not published | Daily |
| Paymentsense Source | 1.40% debit and credit (price tool); bespoke over £150k | Terminal £20 + VAT; minimum service charge £24.95 | Rental, £20 a month + VAT | Not published | 24 working hours |
| Clover Source | Quote only | Rental only | Flex Pocket £15, Mini £20, Station Duo £30 a month + VAT | Not published | Next business day |
| myPOS Source | From 1.10% + 7p (under £10k a month) | £0 | Device prices not on fees page | Not published | Instant to myPOS account |
| Revolut Source | From 0.8% + 2p (UK consumer Visa and Mastercard) | £0 for the reader | Reader £49; Terminal £169 + VAT | None | Within 24 hours |
| Stripe Source | 1.4% + 10p EEA cards; 2.9% + 10p non-EEA | £0 | WisePad 3 £49; S700 or S710 £229 (ex VAT) | Pay as you go | Standard free; instant 1% |
| Barclaycard Source | Quote only (example 0.7% + 3p, representative) | £16 to £29 + VAT service fee | Smartpay Anywhere £29 + VAT | 12 to 18 months, or none for Anywhere | Next day |
| Elavon Source | Quote only | Not published | Not published | Not published | Next day for eligible businesses |
| Viva Source | 1.69% UK consumer cards | £0 to £15.99 plans (min £3.99) | Not published | Change plan monthly | Real time |
| Tyl by NatWest Source | 1.39% + 5p personal cards (under £50k a year) | Machine hire from £13.99 + VAT | PAX A920 Pro £19.99, A50 £14.99, A80 £13.99 a month + VAT | 12 months | Next business day |
| Lloyds Cardnet Source | Cardnet quote only; Lloyds Accept 1.5% + 20p | £10 minimum monthly charge (Cardnet) | Saturn £23 or Clover Flex £21 a month + VAT | Not stated; Lloyds Accept none | Not published |
VAT is excluded where the provider states it. Rates are for in-person UK consumer cards unless stated. Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
Tell us about your business. We compare the whole market, including the providers that only quote on request, and come back with the lowest total cost for your takings and the right machine. You keep a named account manager who looks after you after setup.
Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
All figures come from each provider's own UK pricing pages, read on 26 October 2026. Rates are for in-person payments on UK consumer cards unless stated, and exclude VAT where the provider says so.
Each provider's standard in-person rate, as published. Quote-only providers are listed with any example they give.
Ten providers offer a way to take cards with no monthly fee: SumUp pay-as-you-go, Dojo Essential, Square Free, Zettle, Flatpay, myPOS, Revolut, Stripe Terminal, Barclaycard Smartpay Anywhere and Lloyds Accept. Paid plans include SumUp Payments Plus at £19 a month, Dojo Plus at £11.99 for new customers against a £25 list price, Square Plus from £29 and Viva from £3.99 to £15.99.
Rented terminals cost £13.99 to £30 + VAT a month, and £20 is the most common published figure: Paymentsense, Clover Mini, Dojo Pocket and Worldpay's indicative quote. Some add minimum charges: Paymentsense £24.95 a month, Worldpay £15.00 indicative and Lloyds Cardnet £10.
To buy, readers start at £19 + VAT (Square Reader), £25 (SumUp Solo Lite) and £29 (PayPal Reader). Standalone terminals cost £135 (SumUp Terminal), £149 (Square Terminal, PayPal Terminal, Dojo Go Max) and £169 (Revolut Terminal, Square Handheld). 12 providers publish a hardware price, Worldpay gives an indicative one, and takepayments, Teya, Elavon, Viva and myPOS do not publish one.
Card fees only, per year, at published rates read 26 October 2026, assuming a £20 average sale and UK consumer cards. Terminal and plan costs are added only where stated.
At £10,000 a month, £120,000 a year, Dojo, myPOS and Tyl by NatWest move to quotes, so they are not listed.
At £50,000 a month, £600,000 a year, most published prices no longer apply. Dojo, Flatpay, Paymentsense, myPOS and Tyl by NatWest all move to custom or tailored rates, SumUp offers bespoke fees from £10,000 a month, and Square says custom rates may be available above £200,000 a year. The published figures below are a ceiling, not the price a business of this size should pay.
The pattern holds at every size: the cheapest and dearest published options differ by a factor of about three, and the fixed fee per payment matters more than the headline percentage once a business takes many small payments.
Six providers state no contract for at least one product: SumUp, Square, Zettle, Revolut, Barclaycard Smartpay Anywhere and Lloyds Accept. Stripe Terminal prices on a pay-as-you-go basis, Viva lets plans change monthly, Teya states no lock-ins, and Dojo offers 30-day rolling or 12-month fixed terms on custom rates. Fixed terms are 12 months at Tyl by NatWest and takepayments, 12 to 18 months at Barclaycard, and a minimum of 18 months at Worldpay. Flatpay, Paymentsense, Clover, myPOS, Elavon and Lloyds Cardnet do not publish contract terms. Two providers offer help leaving an old contract: Dojo up to £3,000 and Barclaycard up to £1,000 towards exit fees.
Next-day payout is standard. Faster options exist: Zettle typically within minutes to a PayPal balance, myPOS instantly to a myPOS account, Viva in real time, Square instantly for 1.95% and Stripe instantly for 1% with a 40p minimum. SumUp and Teya pay at weekends.
This report shows published prices. Most businesses taking more than £10,000 a month can get better, but only by asking. We compare the whole UK market, including Dojo, SumUp, Teya, Flatpay, Paymentsense, Square, Worldpay and others, request quotes from the providers that do not publish, and negotiate the rate on your real takings and card mix. Every quote is set out on the same basis as this report, so you can compare them fairly.
We then handle the switch from your current provider and give you a named account manager who stays with you after setup and checks your statements against the agreed rate. When providers change their published prices, we review whether your rate is still competitive. You pay us nothing. We may receive a fee from the provider you choose.
Across the 12 UK providers that publish an in-person rate, read 26 October 2026, the middle headline rate falls between 1.40% and 1.49%. Rates run from 0.8% + 2p (Revolut) to 1.75% (Square and Zettle), and six providers add a fixed fee per payment.
The lowest published rate is Revolut's, from 0.8% + 2p on UK consumer Visa and Mastercard, read 26 October 2026. American Express costs 1.7% and other cards 2.6%. SumUp Payments Plus charges 0.99% on domestic cards with a £19 monthly plan.
Of 18 UK providers, 12 publish an in-person card rate and 6 quote only: Worldpay, takepayments, Teya, Clover, Barclaycard and Elavon. Lloyds publishes Lloyds Accept but quotes Cardnet. Read 26 October 2026.
At £2,000 a month, published card fees run from £216 to £600 a year. At £10,000 a month, from £1,080 to £3,000. At £50,000 a month, from £5,400 to £15,000, though most providers quote at that size. All assume a £20 average sale, read 26 October 2026.
Published rentals run from £13.99 + VAT a month (Tyl by NatWest PAX A80) to £30 + VAT (Clover Station Duo), read 26 October 2026. £20 a month is the most common published figure, from Paymentsense, Clover Mini, Dojo Pocket and Worldpay's indicative quote.
Ten providers offer a no-monthly-fee option: SumUp pay-as-you-go, Dojo Essential, Square Free, Zettle, Flatpay, myPOS, Revolut, Stripe Terminal, Barclaycard Smartpay Anywhere and Lloyds Accept, read 26 October 2026. You pay only per payment, plus the machine if you buy one.
Yes. Please cite it as the UK Card Machine Fees Report 2026 by Buckingham Capital Consulting, with a link to this page and the date the prices were read, 26 October 2026. Providers change prices, so check the date before relying on any figure.
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