Compare UK Card Machine Rates & Cut Your Processing Fees
Stop guessing what your card machine should cost. We benchmark your merchant statements against live off-market wholesale tariffs (Debit 0.28%–1.4% · Credit 0.55%–1.8% · Auth 0p–5p). 100% free independent comparison for UK businesses.
Archie says: "Select who currently supplies your card machine — I'll scan for known rate creep and hidden clauses!"
1. Who provides your current card machines?
Click your card machine provider to see how their pricing stacks up against live wholesale tariffs.
dojo
Dojo
Paymentsense
Teya
Teya
Flat / Hosp.
PS
Paymentsense
Legacy Terminals
WP
Worldpay
FIS Global
BARC
Barclaycard
Barclays
TP
takepayments
Hire Leases
■
Square
1.75% Flat
☘
Clover
Fiserv POS
flat
Flatpay
4% Surcharge
Z
Zettle / SumUp
Micro Readers
📋
Other Provider
Elavon, Lloyds, etc.
Why do we ask who your card machine provider is? ▾
Different card machine providers use distinct billing clauses. For example, Worldpay often charges £15/mo PCI fines, while Paymentsense carries legacy 36-month terminal hire agreements. Knowing your provider helps Archie calculate your exact exit and savings potential.
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2. How much does your business take in card payments monthly?
Your card processing volume unlocks lower wholesale acquiring tiers.
🏪
Under £5k
Micro / Starter
☕
£5k – £15k
Cafe / Retail
🍻
£15k – £35k
Pub / Restaurant
🛒
£35k – £75k
High Volume
🏢
£75,000+
Enterprise
3. What is your business trading name and postcode?
We verify local card terminal engineer dispatch speed and regional wholesale discounts.
Why do we need your postcode? ▾
UK card machine providers have local courier and engineer networks. Postcode lookup ensures we match you with acquirers providing same-day or next-day replacement card machines in your area.
4. Which card processing pricing structure do you prefer?
Choose how you would like your transaction charges calculated.
⚡ Whichever is Cheapest (Recommended)
Let Archie analyse your average card sale to find the lowest net annual processing spend.
💳 Flat Rate Pricing (Simple 1-Line Bills)
One fixed % fee on all cards with 0p authorisation fees. Ideal for small sales under £10.
📊 Blended / Interchange+ (True Wholesale)
Debit from 0.28% + fixed auth fee. Maximum savings for £15+ transactions.
5. Who should we address your card machine comparison to?
We prepare a formal written rate audit document for your business.
6. Where should Archie text your rate comparison?
Archie will automatically generate your card rate comparison report and message it to you.
✓ 100% Free · Zero sales spam · Independent card machine rate breakdown sent directly to your phone.
— Optional: Attach Statement for Guaranteed Off-Market Price Match —
💬 WhatsApp Statement Photo
Snap a photo of your card processing statement page and WhatsApp Archie directly for a 2-hour priority audit.
Upload a bill directly. Feel free to redact bank account details.
Click to select PDF or image
🎉 Card Rate Comparison Request Received! Archie has logged your details. We are matching your business against live off-market tariffs and will message your comparison report shortly.
UK Card Machine Rate Standards (2026)
Compare what card acquiring banks pay wholesale against what legacy providers bill you.
