Card machine fees calculator

This card machine fees calculator shows what card payments cost you now, using your own numbers. It takes a minute and you'll need last month's statement to hand.

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Last updated 18 October 2026

Work out your card fees

Enter your own figures from last month's statement. Nothing you type leaves your browser.

Work out your current card fees

Use the effective rate on your statement. This estimates your current cost using only the numbers you enter.

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Where to find the numbers

Monthly card takings: the total value of card payments in the month, usually near the top of the statement.
Your rate: if you have several rates, divide your total fees by your card takings and use that single figure.
Monthly fixed fees: rental, PCI, minimum service charge and any other flat monthly charges.

What to do with the result

Now you know what card payments cost you each year. The next question is whether that's fair for a business like yours. That depends on your card mix and terms, so I won't guess a saving here. Send me the statement and I'll give you a real answer in writing within 24 hours.

New to the jargon? Read card processing fees explained.

QUESTIONS

Questions

Where do I find my rate?

On your monthly statement. If you have several rates (debit, credit, business cards), divide the total fees by your total card takings to get one blended figure.

Why doesn't the calculator show a saving?

Because a saving depends on your card mix and your terms, and I won't guess. Send me the statement and I'll work out a real figure for your business.

Is my data stored?

No. The calculator runs in your browser and nothing you type is sent anywhere.

Ready to cut your card fees?

Send your statement today and I'll come back to you with what I find.