Cost calculator
What are your card payments really costing you?
Put in what you pay today and see the true monthly and annual cost, and the effective rate behind the headline. The sums run in your browser; nothing is sent anywhere until you ask for a quote.
Effective rate0.00%Everything you pay, divided by what you take
Percentage charges£0.00
Per-payment fees£0.00
Fixed charges£0.00
Per month£0.00
Per year£0.00
Cost per payment£0.00
Fill in the form to see your numbers.
Where the difference hides
The headline rate is the number a provider leads with. The effective rate is what actually leaves your account divided by what you took, and it is almost always higher, for four reasons.
- Per-payment fees. A few pence on every payment is a large share of a small consultation fee.
- Fixed charges. Terminal rental, gateway and PCI fees arrive whether the month was busy or quiet.
- Card mix. Business, commercial and non-UK cards usually cost more than the debit-card rate on the front of the offer.
- Extras. Chargeback fees, non-compliance fees, minimum monthly service charges and paper statement charges.
Getting a like-for-like quote
Send us a recent statement and we will lay out what you would pay on Medipay against the same month of real payments, line by line. A rate card alone cannot tell you what your effective rate will be, so we do not quote from one.
Want the comparison?
Tell us about your practice and send a statement. A person replies, usually within one business day.