Card Machine Comparison Tool UK 2026

Choosing the cheapest card machine provider depends entirely on your monthly card turnover and average transaction value — the provider that is cheapest for a coffee shop processing 200 small transactions per day is not the same as the best option for a retailer processing fewer, higher-value sales. Flat-rate providers like Square (1.75%) and SumUp (1.69%) charge no monthly fees, making them cheapest for businesses processing under £3,000 per month. Dojo’s Fix Plan at £39.99 per month includes all transactions up to £3,999 in turnover, offering a predictable cost for businesses in that bracket. Above £5,000 per month, interchange-plus providers like Tyl by NatWest (1.39% plus 5p) and Worldpay (negotiable) typically offer lower effective rates despite monthly fees. Stripe (1.5% plus 20p) is competitive for online-only businesses. This comparison tool calculates the actual monthly cost across all major UK providers based on your specific transaction volumes, so you can see exactly which one saves you the most.

How to Use This Calculator

Enter your monthly card turnover — the total value of card payments you process each month.

Set your average transaction value — smaller baskets favour flat-rate providers, larger baskets favour interchange-plus.

Specify the number of terminals to include terminal rental costs where applicable.

Review the side-by-side comparison showing monthly cost, effective rate, and annual total for each provider.