Our Card Payment Services

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 (5)

Mastercard
UK-based card	Debit (1)	Credit (2)	Business (3)
In person (6)	0.33%	0.75%	1.95%
Online/Phone (7)	0.53%	0.95%	2.55%

Visa
Debit (1)	Credit (2)	Business (3)	Additional charges per transaction
0.33%	0.75%	1.00%	Authorisation fee	3p
0.53%	0.95%	1.60%

Example

If your customer uses a Mastercard personal debit card in person to purchase a £10 item, you would pay: 3p (0.33% of £10) + 3p (authorisation fee) = 6p
If your customer uses a Visa personal credit card online or by phone to purchase a £10 item, you would pay: 5p (0.53% of £10) + 3p (authorisation fee) = 8p

Other monthly charges
Point-of-sale terminal (per teminal per month)	£20.00
Gateway (7)	Included
PCI DSS service fee (8)	£5.00
Minimum monthly service charge (MMSC) (9)	£20.00

Other details
Settlement time	Next day Same day (Faster Processing) Within 2 days (Standard)
Payment brands accepted	VISA Mastercard American Express

Other potential transaction charges

Chargeback Fee: £9.00

Revival Fee: £2.00

Personal debit cards
Personal credit cards
Business debit cards
These are the most commonly used cards for most merchants. You pay us a percentage of each card payment you receive. This varies depending on the type of card. You may also accept other card brand and types, which may cost more.
A card payment where the card, cardholder and merchant are all in the same place.
A card payment where the card, cardholder and merchant are all not in the same place.
A service for capturing and transferring payment data.
Charges relating to your compliance with card security and anti-fraud standards.
Amount payable if your monthly transactions charges do not meet a minimum agreed amount.