Card payment fee calculator

Enter what you charge and what your card provider takes. The calculator shows the fee per transaction, what actually lands in your account, your effective rate, and what that costs across a month and a year. Typical UK small-business card rates combine a percentage with a fixed per-transaction fee — check your provider's current published pricing for your exact figures; this tool does not assume any provider's rates.

Why small invoices hurt most

The fixed fee is what quietly raises your effective rate: on a £30 invoice, a 1.5% + £0.20 structure is really a 2.17% effective rate, while the same pricing on a £1,000 invoice works out at 1.52%. If most of your invoices are small, the fixed fee — not the headline percentage — is the number to negotiate or design around.

One alternative for UK invoicing is bank-to-bank payment via open banking: Invoicr's flagship payment method takes no card-processor percentage cut, which is why this calculator exists — to show what the card route actually costs before you choose.