This summary shows our charges for card payments, and other important information about our service.You can use this to compare our service with other providers, to find the best deal for you. We are required to provide this information by the Payment Systems Regulator.
Your costs for accepting common individual card payments [4]
Mastercard
UK-based card | Debit [1] | Credit [2] | Business [3] |
|---|---|---|---|
In person [5] | 0.85% | 1.10% | 2.20% |
Online/phone [6] | 1.10% | 1.35% | 2.45% |
Visa
Debit [1] | Credit [2] | Business [3] |
|---|---|---|
0.85% | 1.10% | 2.20% |
1.10% | 1.35% | 2.45% |
Additional charges per transaction
Authorization fee
£0.04
Additional charges per transaction
Chargeback fee
£25.00
Revival fee
N/A
Example
If your customer uses a Mastercard personal debit card in person to purchase a £10 item, you would pay: | £0.10 (1.0% of £10.00) | + £0.04 (authorisation fee) | = £0.14 |
If your customer uses a VISA personal credit card online or by phone to purchase a £10 item, you would pay: | £0.13 (1.3% of £10.00) | + £0.04 (authorisation fee) | = £0.17 |
Other monthly charges
Point-of-sale terminal (per terminal per month) | £27.00 |
Gateway [7] | £25.00 |
PCI DSS service fee [8] | £5.00 |
Minimum monthly service charge (MMSC) [9] | £20.00 |
Other details
Settlement time | 48 hrs |
Payment brands accepted
| VISA, Mastercard, Union Pay JCB, DCI/Discover, American Express |
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Personal debit cards.
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Personal credit cards.
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Business debit cards.
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These are the most commonly used cards at most merchants. You pay us a percentage of each card payment you accept. The fee varies depending on the card type. You may also accept other card brand and types, which may cost more. You can see the cards you accept in the Card Fees section below.
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A card payment where the card, cardholder and merchant are all in the same place and the transaction is contactless or CHIP & PIN.
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A card payment where the card, cardholder and merchant are not all in the same place and the transaction is authenticated, i.e. by 3D Secure.
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A service for capturing and transferring payment data.
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Charge relating to your compliance with card security and anti-fraud standards.
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The minimum monthly amount you pay for transaction charges.