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Our card payments service

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. Indicative pricing only and subject to individual circumstances.

If you would like to receive a personalised quote from us please click Contact Sales.

 

Total card acceptance in previous 12 months
£
Average transaction value
£
Merchant category code
Our card payments service

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. Indicative pricing only and subject to individual circumstances.

If you would like to receive a personalised quote from us please click Contact Sales.

 

Your cost for accepting common individual cards payments5
UK‑based card
In person6
Online/​phone7
image
Mastercard
Debit2
Credit3
Business4
image
Visa
Debit2
Credit3
Business4
]
UK‑based card
In person6
Online/​phone7
image
Visa
Debit2
Credit3
Business4
Additional charges per transaction
Authorisation fee
4p
Other potential transaction charges
Chargeback fee
£24.00
Retrieval fees
£24.00
Example
If your customer uses a Mastercard personal debit card in person to purchase a £10 item, you would pay:
7p (0.7% of £10 ) + 4p (authorisation fee) = 11p
If your customer uses a Visa personal credit card online or by phone to purchase a £10 item, you would pay:
11p (1.1% of £10 ) + 4p (authorisation fee) = 15p
Other monthly charges
Point-of-sale terminal (per terminal per month)
£20.00
Gateway8
Included
PCI DSS service fee9
£5.00
Minimum monthly service charge (MMSC)10
£20.00
Other details
Settlement time
One business day
Payment brands accepted
Visa, Mastercard and Diners
1.The proportion of your transactions represented by each card type.
2.Personal debit cards.
3.Personal credit cards.
4.Business debit cards.
5.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. You can see the cards you accept in your transaction information.
6.A card payment where the card, cardholder and merchant are all in the same place.
7.A card payment where the card, cardholder and merchant are not all in the same place.
8.A service for capturing and transferring payment data.
9.Charges relating to your compliance with card security and anti-fraud standards.
10.Amount payable if your monthly transaction charges do not meet a minimum agreed amount.
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 © 2026 Fiserv, Inc. or its affiliates. All rights reserved. Fiserv, Clover and First Data are trading names, trademarks, registered trademarks, service marks or registered service marks of Fiserv, Inc. or its affiliates. Our acquiring solution in the UK is provided by First Data Europe Limited (FDEL) a private limited company incorporated in England (company number 02012925) with a registered address at Janus House, Endeavour Drive, Basildon, Essex, SS14 3WF. FDEL is authorised and regulated by the Financial Conduct Authority (FCA register No. 582703;). Clover devices and solutions are provided by either Marketplace Merchant Solutions Limited (MMSL) or First Data Europe Limited (FDEL). Non Clover POS solutions are provided by FDR Limited, LLC (FDRL). FDEL, MMSL and FDRL are all Fiserv, Inc. group companies.

 

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