{"id":27642,"date":"2026-09-15T11:56:57","date_gmt":"2026-09-15T10:56:57","guid":{"rendered":"https:\/\/commercialexperts.com\/uk\/?p=27642"},"modified":"2026-09-15T12:09:26","modified_gmt":"2026-09-15T11:09:26","slug":"card-processing-fees-for-uk-businesses-explained","status":"publish","type":"post","link":"https:\/\/commercialexperts.com\/uk\/uncategorised\/card-processing-fees-for-uk-businesses-explained\/","title":{"rendered":"Card Processing Fees for UK Businesses Explained"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"27642\" class=\"elementor elementor-27642\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14b12ad7 e-con-full e-flex e-con e-parent\" data-id=\"14b12ad7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e7dce14 elementor-widget elementor-widget-shortcode\" data-id=\"3e7dce14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3421\" class=\"elementor elementor-3421\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4089210 e-con-full e-flex e-con e-parent\" data-id=\"4089210\" data-element_type=\"container\" data-e-type=\"container\" id=\"product-banner\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c15a039 e-con-full e-flex e-con e-child\" data-id=\"c15a039\" data-element_type=\"container\" data-e-type=\"container\" id=\"hero-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fdf9b32 e-con-full e-flex e-con e-child\" data-id=\"fdf9b32\" data-element_type=\"container\" data-e-type=\"container\" id=\"hero-inner-container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3aef3 elementor-widget elementor-widget-heading\" data-id=\"1b3aef3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Compare Quotes From Merchant Account Providers, Today.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e6fa5e e-con-full e-flex e-con e-child\" data-id=\"6e6fa5e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afc5fa8 elementor-widget elementor-widget-heading\" data-id=\"afc5fa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Do you currently accept card payments?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c817a62 e-grid e-con-full e-con e-child\" data-id=\"c817a62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4893d elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"3f4893d\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Yes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea1099 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"4ea1099\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"drop-button\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">No<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd430b8 elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bd430b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg 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S17.4-9.6,17.4,0z\"><\/path>\t\t<\/g>\t\t<g transform=\"matrix(1 0 0 1 -4.05 38.83)\">\t\t\t<path class=\"st1\" d=\"M-138.8,0.2c0,4.8-3.9,8.7-8.7,8.7h-25.6c2,39.9,17.7,78,44.6,107.6    l18.1-18.1c2.2-2.3,5.4-3.2,8.4-2.4c3,0.8,5.4,3.2,6.2,6.2c0.8,3-0.1,6.3-2.4,8.4l-18.1,18.1c29.6,26.9,67.6,42.6,107.6,44.6    v-25.6c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7v25.6c39.9-2,78-17.7,107.6-44.6l-18.1-18.1c-3.3-3.4-3.2-8.8,0.1-12.2    c3.3-3.3,8.8-3.4,12.2-0.1l18.1,18.1c26.9-29.6,42.6-67.6,44.6-107.6h-25.6c-4.8,0-8.7-3.9-8.7-8.7s3.9-8.7,8.7-8.7h25.6    c-2-39.9-17.7-78-44.6-107.6L110.4-98c-2.2,2.3-5.4,3.2-8.4,2.4c-3-0.8-5.4-3.2-6.2-6.2c-0.8-3,0.1-6.3,2.4-8.4l18.1-18.1    c-65.9-60.1-166.6-60.1-232.5,0l18.1,18.1c2.3,2.2,3.2,5.4,2.4,8.4c-0.8,3-3.2,5.4-6.2,6.2c-3,0.8-6.3-0.1-8.4-2.4l-18.1-18.1    c-26.9,29.6-42.6,67.6-44.6,107.6h25.6C-142.7-8.5-138.8-4.6-138.8,0.2z M-8.7-33.3v-114c0-4.8,3.9-8.7,8.7-8.7s8.7,3.9,8.7,8.7    v114c16.9,4.4,28,20.6,25.8,38S17.5,35.1,0,35.1s-32.2-13-34.4-30.3C-36.6-12.6-25.6-28.9-8.7-33.3z\"><\/path>\t\t<\/g>\t<\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">It only takes a minute.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-395afa81 e-flex e-con-boxed e-con e-parent\" data-id=\"395afa81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d097550 elementor-widget elementor-widget-shortcode\" data-id=\"2d097550\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"breadcrumb-post\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34b384ab elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-shortcode\" data-id=\"34b384ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Card Processing Fees for UK Businesses Explained<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6efd97fd e-flex e-con-boxed e-con e-parent\" data-id=\"6efd97fd\" data-element_type=\"container\" data-e-type=\"container\" id=\"art-fullcon\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-100d1eb9 e-con-full e-flex e-con e-child\" data-id=\"100d1eb9\" data-element_type=\"container\" data-e-type=\"container\" id=\"otp-col\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_offset&quot;:110,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5059bc3e elementor-widget elementor-widget-shortcode\" data-id=\"5059bc3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"5000\" class=\"elementor elementor-5000\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fedf17f e-flex e-con-boxed e-con e-parent\" data-id=\"fedf17f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d70d77d elementor-widget elementor-widget-shortcode\" data-id=\"d70d77d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"8575\" class=\"elementor elementor-8575\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97fb6a2 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"97fb6a2\" data-element_type=\"container\" data-e-type=\"container\" id=\"on-this-page\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd958e elementor-widget elementor-widget-heading\" data-id=\"3cd958e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a21a3f elementor-hidden-desktop elementor-hidden-tablet e-con-full e-flex e-con e-parent\" data-id=\"2a21a3f\" data-element_type=\"container\" data-e-type=\"container\" id=\"on-this-page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-252e905 elementor-widget elementor-widget-heading\" data-id=\"252e905\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On This Page<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74e8604b e-con-full elementor-hidden-mobile elementor-hidden-tablet e-flex e-con e-child\" data-id=\"74e8604b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e2fb64c elementor-widget elementor-widget-heading\" data-id=\"1e2fb64c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Find a card machine for your business today<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c015591 elementor-widget elementor-widget-heading\" data-id=\"7c015591\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Get a quote in seconds with our simple form<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d54e10 h-button elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"11d54e10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start Free Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d1d20ec e-con-full e-flex e-con e-child\" data-id=\"3d1d20ec\" data-element_type=\"container\" data-e-type=\"container\" id=\"main-artcon\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30786f57 elementor-hidden-desktop elementor-widget elementor-widget-shortcode\" data-id=\"30786f57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7091\" class=\"elementor elementor-7091\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-719a216e e-flex e-con-boxed e-con e-parent\" data-id=\"719a216e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b4e295d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6b4e295d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Card Processing Fees for UK Businesses Explained<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a90879 elementor-widget elementor-widget-shortcode\" data-id=\"62a90879\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"7135\" class=\"elementor elementor-7135\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd8505a e-con-full e-flex e-con e-parent\" data-id=\"cd8505a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c726538 elementor-widget elementor-widget-shortcode\" data-id=\"c726538\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class='tfli_author_box'><div class='tfli_author_details'><div class='tfli_author_details_content'><img alt='' src='https:\/\/secure.gravatar.com\/avatar\/30c565a92f3f10e3886a87206bd0d71c75f4daca193ab2615aff0e779867d3ff?s=60&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/30c565a92f3f10e3886a87206bd0d71c75f4daca193ab2615aff0e779867d3ff?s=120&#038;d=mm&#038;r=g 2x' class='avatar avatar-60 photo' height='60' width='60' \/><a href=\"https:\/\/commercialexperts.com\/uk\/authors\/admints\/\"><h4>admints<\/h4><p>Content Writer<\/p><\/a><\/div><\/div><div class='tfli_post_details'><p>Last updated 15\/09\/2026<\/p><\/div><\/div><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1132e159 e-con-full e-flex e-con e-child\" data-id=\"1132e159\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-770161e0 elementor-widget elementor-widget-text-editor\" data-id=\"770161e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>Last reviewed: August 2026. Fees, terms, and service availability can change, so confirm all charges in your written quote before applying.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c12c2d2 elementor-widget elementor-widget-heading\" data-id=\"7c12c2d2\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Much Do UK Businesses Pay to Process Cards?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5652b4e1 elementor-widget elementor-widget-text-editor\" data-id=\"5652b4e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>UK businesses may pay a range of fees to process card payments. These include percentage transaction fees, fixed authorisation charges, monthly account fees, card-machine costs, PCI-related charges, and gateway or virtual-terminal fees, with additional charges for refunds, chargebacks, faster settlement, and cancellation.<\/p><p>Headline rates do not represent your total cost, so compare monthly card turnover, transaction volume, average value, card and payment-channel mix, and fixed monthly charges.<\/p><p>Use the following formula to calculate your effective card-processing rate:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-769b3f8 elementor-widget elementor-widget-text-editor\" data-id=\"769b3f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b><i>Effective card-processing rate = total card-payment costs \u00f7 total processed card turnover \u00d7 100<\/i><\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c31c290 elementor-widget elementor-widget-heading\" data-id=\"7c31c290\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Card Processing Fees UK: Costs at a Glance\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab1c917 elementor-widget elementor-widget-text-editor\" data-id=\"ab1c917\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Card processing fees can include recurring, transaction-based, and conditional charges. Some apply when you accept card payments, while others vary by provider, payment channels, and equipment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afc1a7e elementor-widget elementor-widget-shortcode\" data-id=\"afc1a7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-62\" class=\"tablepress tablepress-id-62\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Fee<\/th><th class=\"column-2\">How it is charged<\/th><th class=\"column-3\">When it may apply<\/th><th class=\"column-4\">Common or conditional?<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Transaction fee<\/td><td class=\"column-2\">Percentage of the payment value<\/td><td class=\"column-3\">Most successful card payments<\/td><td class=\"column-4\">Common<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Authorisation fee<\/td><td class=\"column-2\">Fixed amount<\/td><td class=\"column-3\">Each attempted or approved transaction<\/td><td class=\"column-4\">Provider-dependent<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Monthly account fee<\/td><td class=\"column-2\">Fixed monthly amount<\/td><td class=\"column-3\">Merchant-account agreements<\/td><td class=\"column-4\">Provider-dependent<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Minimum service charge<\/td><td class=\"column-2\">Monthly minimum<\/td><td class=\"column-3\">Eligible charges fall below an agreed amount<\/td><td class=\"column-4\">Conditional<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Card-machine cost<\/td><td class=\"column-2\">Upfront purchase or monthly rental<\/td><td class=\"column-3\">In-person card acceptance<\/td><td class=\"column-4\">Common for physical terminals<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">PCI programme fee<\/td><td class=\"column-2\">Monthly or annual charge<\/td><td class=\"column-3\">Provider compliance services<\/td><td class=\"column-4\">Provider-dependent<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">PCI non-compliance fee<\/td><td class=\"column-2\">Monthly or periodic charge<\/td><td class=\"column-3\">Required validation remains incomplete<\/td><td class=\"column-4\">Conditional<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">Payment-gateway fee<\/td><td class=\"column-2\">Monthly or per transaction<\/td><td class=\"column-3\">Online card payments<\/td><td class=\"column-4\">Channel-dependent<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">Virtual-terminal fee<\/td><td class=\"column-2\">Monthly or per transaction<\/td><td class=\"column-3\">Phone or manually entered payments<\/td><td class=\"column-4\">Channel-dependent<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">Refund cost<\/td><td class=\"column-2\">Fixed fee or retained processing charge<\/td><td class=\"column-3\">You refund a card payment<\/td><td class=\"column-4\">Provider-dependent<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">Chargeback fee<\/td><td class=\"column-2\">Fixed amount<\/td><td class=\"column-3\">A customer disputes a card payment<\/td><td class=\"column-4\">Conditional<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\">Settlement fee<\/td><td class=\"column-2\">Fixed or percentage-based charge<\/td><td class=\"column-3\">Faster or non-standard settlement<\/td><td class=\"column-4\">Conditional<\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\">Cancellation fee<\/td><td class=\"column-2\">Fixed amount or remaining contractual costs<\/td><td class=\"column-3\">You end an agreement early<\/td><td class=\"column-4\">Contract-dependent<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-62 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5944df8 elementor-widget elementor-widget-text-editor\" data-id=\"5944df8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Providers may bundle several charges into one transaction rate or itemise them separately. A service advertised with &#8216;no monthly fee&#8217; may still carry transaction and conditional costs, while &#8216;from&#8217; rates may only apply to certain cards, channels, or business profiles.<\/p><p>Before signing, request a written quote and full terms showing every applicable charge and any conditions involving card type, transaction method, turnover, or contract length.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b81bdc4 elementor-widget elementor-widget-heading\" data-id=\"1b81bdc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Card-Processing Pricing Works\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6b205b elementor-widget elementor-widget-heading\" data-id=\"c6b205b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Happens to the Fee Charged on a Card Payment?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31f9909e elementor-widget elementor-widget-text-editor\" data-id=\"31f9909e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When a customer pays by card, multiple parties are involved in the transaction.<\/p><p><strong>Card Issuer:<\/strong> The company that provides the customer&#8217;s card.<\/p><p><strong>Card Scheme:<\/strong> Provides the network to allow the transaction to be processed.<\/p><p><strong>Acquirer:<\/strong> Enables the merchant to accept card payments.<\/p><p><strong>Payment processor\/payment service provider:<\/strong> Connects the business, the customer&#8217;s bank, and the card network.<\/p><p>Your provider may perform several of these roles itself or work with other organisations. Depending on your agreement, your card machine, payment gateway, processing service, and merchant account may be supplied by one or multiple different providers.<\/p><p>The underlying cost of a card payment can contain three main components:<\/p><p><strong>Interchange:<\/strong> Paid within the transaction chain to the customer&#8217;s card issuer.<\/p><p><strong>Scheme fees:<\/strong> Charged for using the card scheme&#8217;s network and services.<\/p><p><strong>Acquirer or processor margin:<\/strong> The amount added for providing and supporting the merchant&#8217;s payment service.<\/p><p>You may not see these listed separately on your quote or statement, with some providers combining them into a blended rate. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae78b0 elementor-widget elementor-widget-heading\" data-id=\"2ae78b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Are Interchange Fees?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4a5210 elementor-widget elementor-widget-text-editor\" data-id=\"d4a5210\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An interchange fee is an underlying card-payment charge transferred by the merchant&#8217;s acquirer to the customer&#8217;s card issuer. Although it passes between financial institutions, it forms part of the cost that your provider recovers through the card-processing fees charged to your business.<\/p><p>In the UK, the Interchange Fee Regulation caps interchange fees on consumer card transactions where the merchant, acquirer, and card issuer are all UK-based:<\/p><ul><li><strong>Consumer debit and prepaid cards:<\/strong> Capped at 0.20% of transaction value<\/li><li><strong>Consumer credit cards:<\/strong> Capped at 0.30% of transaction value<br \/><br \/><\/li><\/ul><p>These percentages are the maximum interchange fees for transactions covered by the regulation; they are not universal rates for every card payment.<\/p><p>Commercial and corporate cards are not covered by the consumer card caps discussed here. International and interregional transactions may also fall outside these caps, including where the card issuer or acquirer is located outside the UK.<\/p><p>The interchange cap is not the final rate your business pays; your total transaction charge can also incorporate card-scheme fees, the acquirer or processor&#8217;s margin, and fixed authorisation charges.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92d31b9 elementor-widget elementor-widget-heading\" data-id=\"92d31b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Are Card-Scheme Fees?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb34b5 elementor-widget elementor-widget-text-editor\" data-id=\"bbb34b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Card-scheme fees are charged for using a payment network. Operated by card schemes like Visa and Mastercard, these networks provide the infrastructure and rules needed for payment information to pass between the organisations during a card transaction.<\/p><p>Scheme fees are separate from interchange, and their amount varies depending on the card scheme, card type, transaction type, and the locations of the parties involved. Providers may itemise these costs separately or include them in a blended transaction rate, so they may not appear as individual charges on your quote or statement.<\/p><p>There is no universal card-scheme fee applied to every UK card transaction, so you should always check whether your provider itemises scheme fees or incorporates them into the quoted processing rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c279b55 elementor-widget elementor-widget-heading\" data-id=\"c279b55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Is the Acquirer or Processor Margin?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7631aa elementor-widget elementor-widget-text-editor\" data-id=\"c7631aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The acquirer or processor margin is the amount charged for providing merchant payment services in addition to underlying costs such as interchange and scheme fees. Depending on the provider, it may cover payment processing, account services, risk management, customer support, and the technology used to accept payments.<\/p><p>The margin may appear as:<\/p><ul><li>A percentage of each transaction<\/li><li>A fixed charge per transaction<\/li><li>A monthly account fee<\/li><li>A combination of percentage, fixed, and recurring charges<br \/><br \/><\/li><\/ul><p>An acquirer, payment processor, and payment service provider are not necessarily the same organisation. Sometimes one company will perform several roles, or separate companies may be involved. Confirm how the provider&#8217;s charges are structured, even if its margin is not shown as a separate line item.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cac8d9b elementor-widget elementor-widget-heading\" data-id=\"cac8d9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Is Blended Pricing?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c18d278 elementor-widget elementor-widget-text-editor\" data-id=\"c18d278\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Blended pricing, also known as flat-rate pricing, combines interchange, scheme fees, and the provider&#8217;s margin into one quoted transaction rate. This makes processing costs easier to understand than calculating each component separately.<br \/>A flat rate does not necessarily apply to every transaction, and providers may use different blended rates for:<\/p><ul><li>Consumer, commercial, or international card type<\/li><li>In-person, online, or manually entered payments<\/li><li>Domestic and cross-border transactions<\/li><li>Other transaction categories defined in their terms<\/li><\/ul><p><br \/>Blended pricing simplifies charges but reduces visibility into the underlying costs and provider margin. When comparing quotes, check which cards qualify, whether commercial, international, online, and manually entered payments cost more, and whether fixed transaction or monthly fees apply.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c2eaa7 elementor-widget elementor-widget-heading\" data-id=\"4c2eaa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Is Interchange-Plus Pricing?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-852b88b elementor-widget elementor-widget-text-editor\" data-id=\"852b88b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Interchange-plus pricing passes the underlying interchange cost through to your business and shows the provider&#8217;s margin separately. Your quote should explain how scheme fees are treated.<\/p><p>Although this model provides greater visibility over your processing costs, monthly costs can vary with your card mix, and statements may be more complex than under blended pricing.<\/p><p>Interchange-plus is not automatically the cheapest pricing model. When comparing a quote, check:<\/p><ul><li>The provider&#8217;s percentage or fixed markup<\/li><li>Whether scheme fees are included or charged separately<\/li><li>Any fixed transaction or authorisation charges<\/li><li>Monthly account fees<\/li><li>Terminal, gateway, PCI, and other additional charges<\/li><\/ul><p><br \/>Include all these costs when calculating the quote&#8217;s effective processing rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-860bf44 elementor-widget elementor-widget-heading\" data-id=\"860bf44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Card-Processing Fees Differ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07446a6 elementor-widget elementor-widget-heading\" data-id=\"07446a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Debit Cards vs. Credit Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a94988 elementor-widget elementor-widget-text-editor\" data-id=\"7a94988\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Debit- and credit-card payments can have different underlying costs. Where the UK interchange caps apply, fees are limited to 0.20% of the transaction value for consumer debit and prepaid cards and 0.30% for consumer credit cards.<\/p><p>These caps are not the final rates charged to your business. Providers may combine debit and credit costs with scheme fees and their margin into one blended rate or quote separate rates by card type.<\/p><p>When assessing quotes, confirm which rates apply to debit, credit, commercial, and international cards.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ca08ab elementor-widget elementor-widget-heading\" data-id=\"3ca08ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Consumer Cards vs. Commercial Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91c033e elementor-widget elementor-widget-text-editor\" data-id=\"91c033e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Commercial and business cards are not covered by the UK consumer-card interchange caps, meaning their underlying costs can differ from consumer cards. Because of this, you may be charged a different rate for payments made using business, commercial, or corporate cards.<\/p><p>If you accept payments from other businesses, establish how commercial cards are identified and charged, then model costs using your expected split between consumer and commercial card payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35535f4 elementor-widget elementor-widget-heading\" data-id=\"35535f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">UK Cards vs. International Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-188cbf8 elementor-widget elementor-widget-text-editor\" data-id=\"188cbf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>International cards may carry different interchange and scheme costs from UK-issued consumer cards. Cross-border charges may apply if the card issuer, acquirer, and merchant are located in different countries or regions. Currency conversion may create additional costs when you accept payment in another currency.<\/p><p>Although it&#8217;s easy to confuse the two, currency conversion and cross-border charges are separate costs and may be charged independently, even if they are not itemised separately on your quote or processing statement.<\/p><p>EEA and non-EEA cards may be priced differently. There is no universal \u201cinternational card rate\u201d, so confirm:<\/p><ul><li>How UK, EEA, and non-EEA cards are charged<\/li><li>Whether a separate cross-border fee applies<\/li><li>When currency conversion is required<\/li><li>Which exchange rate or conversion margin is used<\/li><li>Whether pricing differs between in-person and remote international payments<br \/><br \/><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed42de2 elementor-widget elementor-widget-heading\" data-id=\"ed42de2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Card-Present vs. Card-Not-Present Payments<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c0c228 elementor-widget elementor-widget-text-editor\" data-id=\"5c0c228\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u200b\u200bCard-present transactions are when a card is used at a physical terminal. Card-not-present payments are accepted without the card being physically present. These can include:<\/p><ul><li>Ecommerce payments<\/li><li>Payments taken by phone<\/li><li>Payment links<\/li><li>Manually entered transactions<br \/><br \/><\/li><\/ul><p>Providers may charge more for card-not-present payments because of increased risk of fraud and payment disputes. However, they are not automatically more expensive in every arrangement. Compare transaction rates alongside gateway, virtual-terminal, fixed authorisation, refund, and chargeback costs for each channel you use.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c4a3c1 elementor-widget elementor-widget-heading\" data-id=\"4c4a3c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business Profile and Risk<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7272ce elementor-widget elementor-widget-text-editor\" data-id=\"c7272ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Providers may assess your business and risk profile to determine the terms of your contract. Factors can include:<\/p><ul><li>Your industry<\/li><li>Trading and processing history<\/li><li>Expected card turnover<\/li><li>Average transaction value<\/li><li>Refund and chargeback history<\/li><li>The time between payment and delivery<\/li><li>Whether customers pay in advance<\/li><li>International trading activity<\/li><li>The provider&#8217;s underwriting criteria<br \/><br \/><\/li><\/ul><p>These factors don&#8217;t always increase your rate. Depending on the provider and level of risk identified, they may influence your quoted margin, settlement terms, reserve requirements, contract conditions, or whether your application is accepted.<\/p><p>Always give providers consistent and accurate information so all quotes are based on the same business profile.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07d4e6f elementor-widget elementor-widget-heading\" data-id=\"07d4e6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Volume and Average Transaction Value<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad90aa elementor-widget elementor-widget-text-editor\" data-id=\"2ad90aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Higher card turnover may strengthen your negotiating position with providers that offer tailored pricing.<\/p><p>A fixed per-transaction charge represents a larger proportion of a low-value payment than a high-value payment. Monthly account, terminal, and compliance charges can have a greater effect on the effective rate of a low-volume business because those costs are spread across lower card turnover.<\/p><p>For a fair comparison, assess card turnover and transaction count together. Dividing turnover by transaction count gives you an average transaction value to apply to each quote.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d45d42c elementor-widget elementor-widget-heading\" data-id=\"d45d42c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Complete List of Card-Processing Fees to Check <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c0055 elementor-widget elementor-widget-text-editor\" data-id=\"a1c0055\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Merchant-services quotes can contain transaction-based, recurring, channel-specific, and conditional charges. Below is a table with some of the most common fees and what to verify in your quote.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ecf6bb elementor-widget elementor-widget-shortcode\" data-id=\"0ecf6bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-63\" class=\"tablepress tablepress-id-63\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Fee<\/th><th class=\"column-2\">How it is charged<\/th><th class=\"column-3\">When it applies<\/th><th class=\"column-4\">What to verify<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Percentage transaction fee<\/td><td class=\"column-2\">Percentage of payment value<\/td><td class=\"column-3\">Card payments<\/td><td class=\"column-4\">Eligible cards and payment channels<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Authorisation fee<\/td><td class=\"column-2\">Fixed amount per transaction or attempt<\/td><td class=\"column-3\">A payment is submitted for authorisation<\/td><td class=\"column-4\">Successful, declined, and reversed-payment treatment<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Monthly account fee<\/td><td class=\"column-2\">Fixed recurring amount<\/td><td class=\"column-3\">Maintaining a merchant account<\/td><td class=\"column-4\">What services are included<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Statement or administration fee<\/td><td class=\"column-2\">Fixed monthly or per-statement charge<\/td><td class=\"column-3\">Account reporting and administration<\/td><td class=\"column-4\">Paper and electronic statement costs<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Minimum monthly service charge<\/td><td class=\"column-2\">Monthly minimum or shortfall<\/td><td class=\"column-3\">Eligible charges fall below an agreed amount<\/td><td class=\"column-4\">Which fees count towards the minimum<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">PCI programme fee<\/td><td class=\"column-2\">Monthly or annual amount<\/td><td class=\"column-3\">Provider compliance programme<\/td><td class=\"column-4\">What support is included<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">PCI non-compliance charge<\/td><td class=\"column-2\">Monthly or periodic amount<\/td><td class=\"column-3\">Required validation is incomplete<\/td><td class=\"column-4\">How to remove the charge<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">Payment-gateway fee<\/td><td class=\"column-2\">Subscription, percentage, or fixed transaction charge<\/td><td class=\"column-3\">Online payments<\/td><td class=\"column-4\">Included transactions and excess charges<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">Virtual-terminal fee<\/td><td class=\"column-2\">Subscription or per-transaction charge<\/td><td class=\"column-3\">Phone or manually entered payments<\/td><td class=\"column-4\">User limits and additional gateway costs<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">Card-machine purchase<\/td><td class=\"column-2\">Upfront amount<\/td><td class=\"column-3\">Buying in-person payment hardware<\/td><td class=\"column-4\">VAT, warranty, compatibility, and replacement<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">Card-machine rental<\/td><td class=\"column-2\">Monthly amount<\/td><td class=\"column-3\">Renting in-person payment hardware<\/td><td class=\"column-4\">Term, ownership, maintenance, and return conditions<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\">Connectivity or SIM fee<\/td><td class=\"column-2\">Monthly or usage-based amount<\/td><td class=\"column-3\">Connected mobile terminals<\/td><td class=\"column-4\">Whether data is included<\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\">Setup or installation fee<\/td><td class=\"column-2\">One-off or per-location amount<\/td><td class=\"column-3\">Opening or configuring the service<\/td><td class=\"column-4\">Installation, integration, and training<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td class=\"column-1\">Delivery fee<\/td><td class=\"column-2\">Fixed shipping charge<\/td><td class=\"column-3\">Receiving or returning equipment<\/td><td class=\"column-4\">Standard, expedited, and replacement delivery<\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\">Repair or replacement fee<\/td><td class=\"column-2\">Fixed amount per incident<\/td><td class=\"column-3\">Damaged, lost, or faulty equipment<\/td><td class=\"column-4\">Warranty and engineer call-out coverage<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td class=\"column-1\">Refund cost<\/td><td class=\"column-2\">Fixed fee or retained processing charge<\/td><td class=\"column-3\">Refunding a payment<\/td><td class=\"column-4\">Whether original fees are returned<\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td class=\"column-1\">Chargeback fee<\/td><td class=\"column-2\">Fixed administration charge<\/td><td class=\"column-3\">A cardholder disputes a payment<\/td><td class=\"column-4\">Retrieval costs and successful-dispute treatment<\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td class=\"column-1\">Cross-border charge<\/td><td class=\"column-2\">Percentage or provider-defined supplement<\/td><td class=\"column-3\">International cards or transactions<\/td><td class=\"column-4\">Provider definitions for UK, EEA, and non-EEA cards<\/td>\n<\/tr>\n<tr class=\"row-20\">\n\t<td class=\"column-1\">Currency-conversion charge<\/td><td class=\"column-2\">Percentage markup or fixed fee<\/td><td class=\"column-3\">Payment and settlement currencies differ<\/td><td class=\"column-4\">Conversion rate, margin, and settlement currency<\/td>\n<\/tr>\n<tr class=\"row-21\">\n\t<td class=\"column-1\">Settlement fee<\/td><td class=\"column-2\">Fixed or percentage-based charge<\/td><td class=\"column-3\">Faster or non-standard funding<\/td><td class=\"column-4\">Standard timing and linked-account conditions<\/td>\n<\/tr>\n<tr class=\"row-22\">\n\t<td class=\"column-1\">Reserve or withheld funds<\/td><td class=\"column-2\">Percentage or fixed amount retained temporarily<\/td><td class=\"column-3\">Provider risk controls<\/td><td class=\"column-4\">Amount, release schedule, and review conditions<\/td>\n<\/tr>\n<tr class=\"row-23\">\n\t<td class=\"column-1\">Cancellation fee<\/td><td class=\"column-2\">Fixed amount or remaining contractual costs<\/td><td class=\"column-3\">Ending an agreement early<\/td><td class=\"column-4\">Notice, renewal, equipment return, and closure costs<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-63 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a816283 elementor-widget elementor-widget-heading\" data-id=\"a816283\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Percentage Transaction Fee<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74084da elementor-widget elementor-widget-text-editor\" data-id=\"74084da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The percentage transaction fee is calculated against the value of a card payment and may be deducted from settlement or invoiced separately. Rates can differ between debit, credit, commercial, and international cards, as well as between in-person, online, and manually entered payments.<\/p><p>Check whether the advertised price is a standard blended rate, a tailored rate, or merely a &#8216;from&#8217; rate. Establish which transactions qualify and what rate applies to everything else.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa8ea96 elementor-widget elementor-widget-heading\" data-id=\"aa8ea96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fixed Transaction or Authorisation Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-086e4c1 elementor-widget elementor-widget-text-editor\" data-id=\"086e4c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Providers may add a fixed charge to the percentage transaction fee, regardless of the payment value. Depending on its terms, that charge could apply to successful payments, every authorisation attempt, declined payments, or reversed transactions.<\/p><p>If you accept many low-value payments, fixed fees can quickly eat into your profits because they represent a much larger proportion of a \u00a310 transaction than a \u00a3100 transaction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5ef846 elementor-widget elementor-widget-heading\" data-id=\"f5ef846\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Monthly Merchant-Account Fee<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d338a73 elementor-widget elementor-widget-text-editor\" data-id=\"d338a73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A monthly merchant-account fee is a fixed recurring charge for maintaining the payment service. It may cover account administration, processing services, reporting, or support, but inclusions vary.<\/p><p>Confirm whether hardware rental, gateway access, support, PCI services, and transaction charges are included or billed separately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06a5654 elementor-widget elementor-widget-heading\" data-id=\"06a5654\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Statement or Administration Fee\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b319a0b elementor-widget elementor-widget-text-editor\" data-id=\"b319a0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some providers may charge a fee for account administration or processing statements. Confirm whether electronic statements are included, whether paper copies cost extra, and whether a separate reporting fee applies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5c4490 elementor-widget elementor-widget-heading\" data-id=\"a5c4490\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Minimum Monthly Service Charge<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb4de0e elementor-widget elementor-widget-text-editor\" data-id=\"cb4de0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A minimum monthly service charge is a threshold of processing charges you agree to meet each month. If you fall short, you may be charged the difference. Ask which charges contribute towards the minimum and how any shortfall is calculated.<\/p><p>This is particularly important for low-volume and seasonal businesses, which may regularly have to cover the shortfall.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1721b7d elementor-widget elementor-widget-heading\" data-id=\"1721b7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">PCI Compliance Programme Fee<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91ba2e2 elementor-widget elementor-widget-text-editor\" data-id=\"91ba2e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Payment Card Industry Data Security Standard, or PCI DSS, sets security requirements for organisations that handle payment-account data. PCI DSS does not set a universal merchant fee, but providers may charge for their compliance programmes.<\/p><p>Provider charges may cover compliance tools, validation support, account administration, or a security programme. Confirm whether your PCI programme fees are charged monthly or annually, included elsewhere, and optional or compulsory.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce31936 elementor-widget elementor-widget-heading\" data-id=\"ce31936\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">PCI Non-Compliance Charge<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b4ab33 elementor-widget elementor-widget-text-editor\" data-id=\"8b4ab33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A separate non-compliance charge may apply if you do not complete the validation required under your provider&#8217;s programme. Paying the charge does not make your business PCI compliant; it is a provider-imposed charge for incomplete validation.<\/p><p>Because programmes vary by provider, always confirm when validation is due, how the charge is calculated, and whether completing the requirements will remove it. Check the agreement for any additional consequences of remaining non-compliant.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8df1be8 elementor-widget elementor-widget-heading\" data-id=\"8df1be8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Payment-Gateway Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2be4fe0 elementor-widget elementor-widget-text-editor\" data-id=\"2be4fe0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A payment gateway securely transmits payment information for online processing. Gateway pricing may include a monthly subscription, fixed transaction charge, percentage fee, or an allowance covering a set number of transactions.<\/p><p>Confirm what happens if you exceed an agreed allowance and whether your gateway costs are included in your online processing rate or charged separately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98511b7 elementor-widget elementor-widget-heading\" data-id=\"98511b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Virtual-Terminal Fee<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbb15a0 elementor-widget elementor-widget-text-editor\" data-id=\"fbb15a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A virtual terminal enables you to take card payments by phone or online by manually entering card details. Charges can include a monthly subscription, card-not-present transaction rate, gateway fee, or account charge.<\/p><p>Establish whether the virtual terminal is included, how manually entered payments are priced, how many users receive access, and whether additional users cost more.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-086f2ce elementor-widget elementor-widget-heading\" data-id=\"086f2ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Card-Machine Purchase Cost<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e8af4c elementor-widget elementor-widget-text-editor\" data-id=\"8e8af4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some providers require you to purchase hardware upfront. Look beyond the initial purchase price and check:<\/p><ul><li>Whether VAT is included<\/li><li>Warranty length and coverage<\/li><li>Repair and replacement terms<\/li><li>Required payment software<\/li><li>Whether the device works only with one provider or processor<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8379e56 elementor-widget elementor-widget-heading\" data-id=\"8379e56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Card-Machine Rental<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51aef11 elementor-widget elementor-widget-text-editor\" data-id=\"51aef11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may need to rent terminals and other hardware, which can involve a separate contract from the processing service. The number of terminals required and the length of your contract can impact your total hardware costs. Always establish:<\/p><ul><li>Hardware ownership at the end of the contract<\/li><li>Maintenance responsibilities<\/li><li>Device-replacement coverage<\/li><li>Notice requirements<\/li><li>Charges for lost, damaged, or unreturned terminals<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e19c82 elementor-widget elementor-widget-heading\" data-id=\"1e19c82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Terminal Connectivity or SIM Fee<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76b0b66 elementor-widget elementor-widget-text-editor\" data-id=\"76b0b66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Countertop equipment often relies on an established Wi-Fi or Ethernet connection, while mobile terminals may use a SIM or mobile data. Understand whether connectivity is included or charged separately and whether it covers mobile data, roaming, backup connectivity, and every terminal.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52695c8 elementor-widget elementor-widget-heading\" data-id=\"52695c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Setup, Joining and Installation Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3a462d elementor-widget elementor-widget-text-editor\" data-id=\"c3a462d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Initial charges may include merchant-account setup, terminal configuration, on-site installation, ecommerce integration, or staff training. They may be charged once at the business level or separately for each location, terminal, or payment channel. Always include these fees when comparing the first year of each quote.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dd1f9f elementor-widget elementor-widget-heading\" data-id=\"0dd1f9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Delivery Fee<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e55438c elementor-widget elementor-widget-text-editor\" data-id=\"e55438c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Shipping charges may apply to initial delivery, replacement equipment, expedited delivery, and return postage. Confirm who is responsible for shipping fees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c7ba6f elementor-widget elementor-widget-heading\" data-id=\"2c7ba6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Repair and Replacement Fees\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1296bff elementor-widget elementor-widget-text-editor\" data-id=\"1296bff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Charges may apply for accidental damage, loss, theft, engineer call-outs, or emergency replacements. Coverage for equipment faults may depend on the warranty or maintenance agreement. Understand what support is included, how quickly faulty equipment will be replaced, and what scenarios make you responsible for covering the costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51ab7e9 elementor-widget elementor-widget-heading\" data-id=\"51ab7e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Refund Fees\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1c15d2 elementor-widget elementor-widget-text-editor\" data-id=\"c1c15d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may be charged when issuing a refund. Every provider handles this differently, and you could pay a separate refund fee, lose the original processing charge, receive part of that charge back, or face different treatment for partial refunds.<\/p><p>Your quote should explain both the cost of issuing a refund and what happens to the fee paid on the original transaction. Do not assume the original charge is automatically returned.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9030e5 elementor-widget elementor-widget-heading\" data-id=\"b9030e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Chargeback Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cebc414 elementor-widget elementor-widget-text-editor\" data-id=\"cebc414\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A chargeback is a card-payment dispute initiated through the cardholder&#8217;s issuer, often triggered by suspected fraud, unrecognised transactions, non-receipt, processing errors, or disagreements over goods or services. A chargeback may result in the disputed amount being removed or withheld, alongside a fixed administration fee.<\/p><p>Always confirm whether retrieval or information-request fees apply and whether the administration fee is returned if you successfully defend the transaction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8363064 elementor-widget elementor-widget-heading\" data-id=\"8363064\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cross-Border Charges<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ade2fe2 elementor-widget elementor-widget-text-editor\" data-id=\"ade2fe2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cross-border charges may apply when you accept a payment from a card issued outside your region. You may be charged additional interchange, scheme, or provider costs.<\/p><p>Establish how your provider classifies UK, EEA, and non-EEA cards and whether card-present and card-not-present transactions receive different rates. Do not assume that there is a flat &#8220;international rate&#8221; for every card, payment type, and region.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d672bff elementor-widget elementor-widget-heading\" data-id=\"d672bff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Currency-Conversion Charges\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d6cd58 elementor-widget elementor-widget-text-editor\" data-id=\"6d6cd58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you accept a payment in a currency that differs from your settlement currency, you may be charged an exchange-rate markup, fixed conversion charge, or both. This is different from a cross-border charge, and international transactions can involve one or both of these fees. Confirm your settlement currency, conversion rate, margin, and whether you can receive funds without conversion.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-269cc88 elementor-widget elementor-widget-heading\" data-id=\"269cc88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Settlement and Faster-Funding Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66685d8 elementor-widget elementor-widget-text-editor\" data-id=\"66685d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Standard settlement is typically between one and three business days, although provider terms vary and weekends and bank holidays can affect timing. You may have options for next-day, same-day, or instant settlement, which may have eligibility conditions or an additional fixed or percentage-based charge.<\/p><p>Check whether faster settlement requires a linked business account and whether the advertised timing applies to every transaction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1f4846 elementor-widget elementor-widget-heading\" data-id=\"d1f4846\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Reserve and Withheld-Fund Arrangements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dac852 elementor-widget elementor-widget-text-editor\" data-id=\"4dac852\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A reserve is not a fee but part of the merchant&#8217;s processed funds held temporarily against potential refunds, disputes, or other liabilities. Providers may use rolling, fixed, or upfront reserves or delay settlement under specified conditions.<\/p><p>Ask what percentage or amount will be held, how long it will remain unavailable, when it will be released, and how the arrangement may affect cash flow.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb056a9 elementor-widget elementor-widget-heading\" data-id=\"fb056a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cancellation and Early-Termination Fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8add73e elementor-widget elementor-widget-text-editor\" data-id=\"8add73e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ending an agreement before your contract expires may result in early-termination fees. Depending on your agreement, you may owe:<\/p><ul><li>A fixed cancellation charge<\/li><li>Remaining monthly minimums<\/li><li>Outstanding terminal rental<\/li><li>Lost discounts or incentives<\/li><li>Account-closure or administration fees<\/li><li>Equipment return or non-return charges<\/li><\/ul><p><br \/>Before signing, review the written processing and terminal contracts for their initial terms, renewal conditions, notice periods, and return requirements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7310284 elementor-widget elementor-widget-heading\" data-id=\"7310284\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Calculate Your Effective Card-Processing Cost<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8577151 elementor-widget elementor-widget-text-editor\" data-id=\"8577151\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your effective rate is the total cost of accepting cards as a percentage of your processed card turnover. Unlike a headline transaction rate, it reflects applicable percentage and fixed transaction fees, monthly account charges, terminal costs, gateway or virtual-terminal fees, PCI programme charges, and conditional costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc83091 elementor-widget elementor-widget-heading\" data-id=\"bc83091\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The Effective-Rate Formula<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9bf2eb elementor-widget elementor-widget-text-editor\" data-id=\"a9bf2eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>Effective card-processing rate = total card-payment costs \u00f7 total processed card turnover \u00d7 100<\/strong><\/em><\/p><p>Use costs and card turnover from the same period and do not divide by total business revenue if some customers pay by cash, bank transfer, or another method. Processing statements show your historic effective rate, while figures from a quote provide an estimate of future costs. Keep VAT treatment consistent between quotes.<\/p><p>The following examples are entirely hypothetical and do not represent UK market averages or provider prices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19288a4 elementor-widget elementor-widget-heading\" data-id=\"19288a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Example A: Low-Volume Caf\u00e9\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80b6cd8 elementor-widget elementor-widget-text-editor\" data-id=\"80b6cd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This caf\u00e9 processes \u00a35,000 across 250 in-person transactions, giving it an average transaction value of \u00a320, with a card mix of 80% consumer debit and 20% consumer credit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27e340d elementor-widget elementor-widget-shortcode\" data-id=\"27e340d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-65\" class=\"tablepress tablepress-id-65\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Cost<\/th><th class=\"column-2\">Hypothetical calculation<\/th><th class=\"column-3\">Monthly total<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Blended transaction rate<\/td><td class=\"column-2\">\u00a35,000 \u00d7 1.40%<\/td><td class=\"column-3\">\u00a370<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Authorisation fee<\/td><td class=\"column-2\">250 \u00d7 \u00a30.03<\/td><td class=\"column-3\">\u00a37.50<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Account, terminal, and PCI fees<\/td><td class=\"column-2\">\u00a310 + \u00a320 + \u00a35<\/td><td class=\"column-3\">\u00a335<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Total processing cost<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">\u00a3112.50<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Effective rate<\/td><td class=\"column-2\">\u00a3112.50 \u00f7 \u00a35,000 \u00d7 100<\/td><td class=\"column-3\">2.25%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-65 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-120dce6 elementor-widget elementor-widget-heading\" data-id=\"120dce6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Example B: Higher-Volume Retailer\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57b5bb8 elementor-widget elementor-widget-text-editor\" data-id=\"57b5bb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This retailer processes \u00a350,000 across 1,000 transactions, with an average transaction value of \u00a350. Its card mix is 80% UK consumer cards, 15% commercial cards, and 5% international cards. It accepts 80% of payments in person and 20% online, with a monthly gateway fee included for online acceptance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ceef1f elementor-widget elementor-widget-shortcode\" data-id=\"3ceef1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-66\" class=\"tablepress tablepress-id-66\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Cost<\/th><th class=\"column-2\">Hypothetical calculation<\/th><th class=\"column-3\">Monthly total<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">UK consumer cards<\/td><td class=\"column-2\">\u00a340,000 \u00d7 0.90%<\/td><td class=\"column-3\">\u00a3360<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Commercial cards<\/td><td class=\"column-2\">\u00a37,500 \u00d7 1.80%<\/td><td class=\"column-3\">\u00a3135<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">International cards<\/td><td class=\"column-2\">\u00a32,500 \u00d7 2.50%<\/td><td class=\"column-3\">\u00a362.50<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Authorisation fees<\/td><td class=\"column-2\">1,000 \u00d7 \u00a30.03<\/td><td class=\"column-3\">\u00a330<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Account, terminals, PCI, and gateway<\/td><td class=\"column-2\">\u00a315 + \u00a350 + \u00a35 + \u00a320<\/td><td class=\"column-3\">\u00a390<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Total processing cost<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">\u00a3677.50<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Effective rate<\/td><td class=\"column-2\">\u00a3677.50 \u00f7 \u00a350,000 \u00d7 100<\/td><td class=\"column-3\">1.36%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-66 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bb9c27 elementor-widget elementor-widget-text-editor\" data-id=\"8bb9c27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although the retailer pays more each month, its higher turnover spreads the fixed account, hardware, and PCI costs more widely, producing an effective rate of 1.36% compared with the caf\u00e9&#8217;s 2.25% and showing why total cost matters more than the headline rate or monthly bill.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abe3aed elementor-widget elementor-widget-heading\" data-id=\"abe3aed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Calculate Your Effective Card-Processing Cost<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0ec04f elementor-widget elementor-widget-text-editor\" data-id=\"c0ec04f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For a fair comparison, give every provider the same business information and calculate each quote using the same period and VAT treatment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d227dd0 elementor-widget elementor-widget-heading\" data-id=\"d227dd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Information to Provide<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c96a9c elementor-widget elementor-widget-text-editor\" data-id=\"1c96a9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"0\"><strong>Prepare:<\/strong><\/p><ul><li data-path-to-node=\"0\">Expected or historic monthly card turnover<\/li><li data-path-to-node=\"1\">Monthly transaction count and average transaction value<\/li><li data-path-to-node=\"2\">Debit and credit-card split<\/li><li data-path-to-node=\"3\">Consumer and commercial-card split<\/li><li data-path-to-node=\"4\">UK and international card split<\/li><li data-path-to-node=\"5\">In-person and remote-payment split<\/li><li data-path-to-node=\"6\">Number of locations and required terminals<\/li><li data-path-to-node=\"7\">Online, virtual-terminal, and recurring-payment requirements<\/li><li data-path-to-node=\"8\">Refund and chargeback history<\/li><li data-path-to-node=\"9\">Preferred settlement speed<\/li><li data-path-to-node=\"10\">Industry and business model<\/li><li data-path-to-node=\"11\">A current processing statement, if available<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ffb344 elementor-widget elementor-widget-heading\" data-id=\"9ffb344\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Costs to Calculate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-019f1d0 elementor-widget elementor-widget-text-editor\" data-id=\"019f1d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>For each quote, record:<\/strong><\/p><ul><li>Percentage transaction costs<\/li><li>Fixed transaction or authorisation charges<\/li><li>Monthly account fees<\/li><li>Terminal rental<\/li><li>Gateway and virtual-terminal fees<\/li><li>PCI and connectivity charges<\/li><li>Expected monthly conditional charges<\/li><li>Total estimated monthly cost<\/li><li>Effective monthly rate<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24c3080 elementor-widget elementor-widget-text-editor\" data-id=\"24c3080\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>For the annual comparison, include:<\/strong><\/p><ul><li>Monthly recurring costs multiplied by 12<\/li><li>Annual PCI or administration charges not included in the monthly total<\/li><li>Setup and installation<\/li><li>Terminal purchases<\/li><li>Introductory and standard pricing<\/li><li>Total first-year cost<\/li><li>Total cost over the initial contract<\/li><li>Potential exit costs<br \/><br \/><\/li><\/ul><p>The cheapest first-year quote may cost more over the full contract if its standard pricing, rental commitment, or cancellation charges are higher.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bff0547 elementor-widget elementor-widget-heading\" data-id=\"bff0547\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Contract Terms to Check\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ff4e01 elementor-widget elementor-widget-text-editor\" data-id=\"6ff4e01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Confirm:<\/strong><\/p><ul><li>Initial processing term<\/li><li>Terminal rental term<\/li><li>Whether different services have separate contracts<\/li><li>Automatic-renewal conditions<\/li><li>Notice period<\/li><li>Early-termination charges<\/li><li>Remaining rental commitments<\/li><li>Hardware-return requirements<\/li><li>Non-return charges<\/li><li>Whether advertised savings require a longer agreement<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae74e01 elementor-widget elementor-widget-heading\" data-id=\"ae74e01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Red Flags in a Card-Processing Quote\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9302a5e elementor-widget elementor-widget-text-editor\" data-id=\"9302a5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Look out for:<\/strong><\/p><ul><li>\u201cFrom\u201d pricing without your actual rate<\/li><li>A headline rate with no eligible-card details<\/li><li>Missing commercial, international, or card-not-present pricing<\/li><li>Unspecified authorisation or declined-payment charges<\/li><li>A \u201cfree terminal\u201d without ownership and contract terms<\/li><li>PCI programme and non-compliance charges that are not clearly stated<\/li><li>No explanation of refund treatment<\/li><li>Undisclosed chargeback costs<\/li><li>Faster settlement without its price or conditions<\/li><li>Introductory pricing without the later rate<\/li><li>Missing contract length or notice period<\/li><li>Unclear cancellation costs<\/li><li>Verbal promises absent from the written agreement<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16554a1 elementor-widget elementor-widget-heading\" data-id=\"16554a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Card-Processing Fees by Payment Channel<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f2859d elementor-widget elementor-widget-text-editor\" data-id=\"1f2859d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Different payment channels can carry different transaction, technology, and account costs. No payment channel is definitively the cheapest, as costs depend on the provider, card type, transaction value, business profile, and required technology. If you use multiple channels, include their combined costs when calculating your effective rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d57c40b elementor-widget elementor-widget-shortcode\" data-id=\"d57c40b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<table id=\"tablepress-67\" class=\"tablepress tablepress-id-67\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Payment channel<\/th><th class=\"column-2\">Possible transaction costs<\/th><th class=\"column-3\">Possible additional costs<\/th><th class=\"column-4\">What to verify<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">In-person payments<\/td><td class=\"column-2\">Card-present percentage rate and fixed authorisation charge<\/td><td class=\"column-3\">Terminal purchase or rental, connectivity, receipt paper, accessories, and additional devices<\/td><td class=\"column-4\">Mobile versus countertop hardware, settlement timing, and commercial or international card rates<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Online payments<\/td><td class=\"column-2\">Ecommerce percentage rate and fixed transaction charge<\/td><td class=\"column-3\">Gateway subscription, charges above an included allowance, authentication tools, platform integration, cross-border fees, and currency conversion<\/td><td class=\"column-4\">Refund and chargeback treatment, eligible cards, included transactions, and whether ecommerce-platform costs are separate<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Phone and virtual-terminal payments<\/td><td class=\"column-2\">Card-not-present rate and fixed authorisation charge<\/td><td class=\"column-3\">Virtual-terminal subscription, gateway access, and additional user accounts<\/td><td class=\"column-4\">PCI responsibilities, permitted users, and refund and chargeback treatment<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Payment links<\/td><td class=\"column-2\">Online or card-not-present transaction rate<\/td><td class=\"column-3\">Monthly platform or invoicing fees and possible cross-border charges<\/td><td class=\"column-4\">Refunds, chargebacks, link expiry, branding restrictions, volume limits, and international-card pricing<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Recurring card payments<\/td><td class=\"column-2\">Recurring-payment transaction rate<\/td><td class=\"column-3\">Gateway or platform subscription, tokenisation, account-updater tools, and failed-payment retries<\/td><td class=\"column-4\">Cross-border card pricing, refund and chargeback treatment, and which recurring-payment tools are included<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-67 from cache --><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd92403 elementor-widget elementor-widget-heading\" data-id=\"bd92403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Small Businesses Can Manage Card-Processing Costs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1136ab elementor-widget elementor-widget-text-editor\" data-id=\"d1136ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Choosing the lowest advertised rate is not always the most cost-effective deal. Instead, find a provider that matches how you accept payments and avoid paying for services you don&#8217;t need.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-718f8c9 elementor-widget elementor-widget-heading\" data-id=\"718f8c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Match Pricing to Your Transaction Profile\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75f0f83 elementor-widget elementor-widget-text-editor\" data-id=\"75f0f83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Consider:<\/strong><\/p><ul><li>Monthly card turnover<\/li><li>Transaction count and average transaction value<\/li><li>Consumer, commercial, and international card mix<\/li><li>In-person and remote-payment mix<\/li><li>Need for predictable pricing or detailed cost visibility<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ded0ba3 elementor-widget elementor-widget-heading\" data-id=\"ded0ba3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Negotiate Using Evidence\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6e47eb elementor-widget elementor-widget-text-editor\" data-id=\"d6e47eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Support your negotiations with:<\/strong><\/p><ul><li>Recent processing statements<\/li><li>Actual turnover and transaction count<\/li><li>Average transaction value<\/li><li>Card and payment-channel mix<\/li><li>Competing written quotes<br \/><br \/><\/li><\/ul><p>If your turnover grows, ask the provider to review your pricing and confirm any agreed rates, waived fees, or other concessions in writing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdc95cf elementor-widget elementor-widget-heading\" data-id=\"cdc95cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Review Your Statements Regularly\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-030826f elementor-widget elementor-widget-text-editor\" data-id=\"030826f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Check for:<\/strong><\/p><ul><li>Transaction-rate changes<\/li><li>New monthly charges<\/li><li>PCI non-compliance costs<\/li><li>Unused terminal rental<\/li><li>Increased commercial or international card use<\/li><li>Refund and chargeback fees<\/li><li>Settlement charges<\/li><li>Pricing that does not match your contract<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e87b516 elementor-widget elementor-widget-heading\" data-id=\"e87b516\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Reduce Avoidable Costs\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6613288 elementor-widget elementor-widget-text-editor\" data-id=\"6613288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>You may be able to avoid unnecessary charges by:<\/strong><\/p><ul><li>Completing required PCI validation<\/li><li>Returning or cancelling unused terminals<\/li><li>Cancelling unused gateways or virtual terminals<\/li><li>Deciding whether faster settlement is worth its additional cost<\/li><li>Training staff to reduce processing errors<\/li><li>Keeping accurate transaction records<\/li><li>Using clear billing descriptors where supported<\/li><li>Managing complaints and refunds before they become avoidable disputes<\/li><\/ul><p><br \/>These steps may reduce preventable chargebacks, but no business can eliminate every dispute.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cba50f elementor-widget elementor-widget-heading\" data-id=\"2cba50f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Review Hardware and Contracts\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58bf493 elementor-widget elementor-widget-text-editor\" data-id=\"58bf493\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Before renting or purchasing equipment, assess:<\/strong><\/p><ul><li>Number of terminals required<\/li><li>Mobile versus countertop hardware<\/li><li>Connectivity<\/li><li>Warranty and replacement terms<\/li><li>Provider and software compatibility<\/li><li>Whether purchased equipment is tied to one processor<\/li><li>Separate terminal and processing agreements<\/li><li>Initial terms and automatic-renewal conditions<\/li><li>Notice deadlines<\/li><li>Exit costs and equipment-return requirements<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf35678 elementor-widget elementor-widget-heading\" data-id=\"cf35678\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Can You Pass Card Fees to Customers?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a85d55c elementor-widget elementor-widget-text-editor\" data-id=\"a85d55c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Passing on fees to your customers, or surcharging, is illegal when accepting payments from consumer debit, credit, or charge cards or covered electronic payment services. Commercial and corporate cards are excluded from the consumer surcharge ban, but any surcharge should be checked against the applicable rules and clearly disclosed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0643384 elementor-widget elementor-widget-heading\" data-id=\"0643384\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Small Businesses Can Manage Card-Processing Costs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17bbfed elementor-widget elementor-widget-text-editor\" data-id=\"17bbfed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Before signing with a provider, get written answers to all the questions below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-beec6ee elementor-widget elementor-widget-heading\" data-id=\"beec6ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Transaction Charges<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fd085f elementor-widget elementor-widget-text-editor\" data-id=\"5fd085f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>What percentage applies to UK consumer debit cards?<\/li><li>What percentage applies to UK consumer credit cards?<\/li><li>How are commercial cards charged?<\/li><li>How are EEA and non-EEA cards charged?<\/li><li>Are online and manually entered payments charged differently?<\/li><li>Is there a fixed authorisation fee?<\/li><li>Are declined authorisations charged?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d84c88f elementor-widget elementor-widget-heading\" data-id=\"d84c88f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Monthly and Minimum Charges\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92f6a7a elementor-widget elementor-widget-text-editor\" data-id=\"92f6a7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Is there a monthly account fee?<\/li><li>Is there a statement fee?<\/li><li>Is there a minimum monthly service charge?<\/li><li>Which charges count towards the minimum?<\/li><li>Are there minimum turnover requirements?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea7798e elementor-widget elementor-widget-heading\" data-id=\"ea7798e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">PCI and Security\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab4cc93 elementor-widget elementor-widget-text-editor\" data-id=\"ab4cc93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Is there a PCI programme fee?<\/li><li>How often is it charged?<\/li><li>What support does it include?<\/li><li>What non-compliance fee applies?<\/li><li>What must you complete to avoid that fee?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eb5246 elementor-widget elementor-widget-heading\" data-id=\"4eb5246\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hardware\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f98da16 elementor-widget elementor-widget-text-editor\" data-id=\"f98da16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Is the terminal purchased, rented, or supplied under another arrangement?<\/li><li>Who owns it?<\/li><li>How long is the rental term?<\/li><li>Are connectivity, installation, and delivery included?<\/li><li>How much do repairs and replacements cost?<\/li><li>Must the terminal be returned?<\/li><li>What is the non-return charge?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d33bc2 elementor-widget elementor-widget-heading\" data-id=\"0d33bc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Online and Remote Payments\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e841700 elementor-widget elementor-widget-text-editor\" data-id=\"e841700\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Is there a gateway fee?<\/li><li>Is there an included transaction allowance?<\/li><li>Is there a virtual-terminal subscription?<\/li><li>What does a payment link cost?<\/li><li>Are recurring-payment tools included?<\/li><li>Are there additional tokenisation or account-updater charges?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9950092 elementor-widget elementor-widget-heading\" data-id=\"9950092\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Refunds and Disputes\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c5b75d elementor-widget elementor-widget-text-editor\" data-id=\"7c5b75d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li data-path-to-node=\"0\">Is there a refund fee?<\/li><li data-path-to-node=\"1\">Is the original processing fee returned?<\/li><li data-path-to-node=\"2\">What is the chargeback fee?<\/li><li data-path-to-node=\"3\">Is the chargeback fee returned if you win the dispute?<\/li><li data-path-to-node=\"4\">Are retrieval or information-request fees charged?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dbaa79 elementor-widget elementor-widget-heading\" data-id=\"7dbaa79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Settlement Questions\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2879186 elementor-widget elementor-widget-text-editor\" data-id=\"2879186\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>What is the standard settlement time?<\/li><li>Do weekends and bank holidays count as settlement days?<\/li><li>Does faster settlement cost extra?<\/li><li>Does the advertised settlement speed require a linked business account?<\/li><li>Can settlement be delayed or funds be placed in reserve?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-961d3e0 elementor-widget elementor-widget-heading\" data-id=\"961d3e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Contract and Cancellation\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae82119 elementor-widget elementor-widget-text-editor\" data-id=\"ae82119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>What is the initial term of each agreement?<\/li><li>Does it renew automatically?<\/li><li>What notice is required?<\/li><li>What does early termination cost?<\/li><li>Are terminal and processing agreements separate?<\/li><li>What happens to the hardware after cancellation?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4671509 elementor-widget elementor-widget-heading\" data-id=\"4671509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Support\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cc002a elementor-widget elementor-widget-text-editor\" data-id=\"6cc002a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>What support is included?<\/li><li>What are the support hours?<\/li><li>Is emergency terminal replacement available?<\/li><li>Are call-outs or premium support charged separately?<\/li><li>How quickly are payment or settlement problems handled?<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2732651 elementor-widget elementor-widget-heading\" data-id=\"2732651\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Summary: Compare Effective Cost, Not Just the Headline Rate\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2639231 elementor-widget elementor-widget-text-editor\" data-id=\"2639231\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A transaction rate is only one part of the cost of accepting cards. When comparing providers, also include fixed transaction charges, monthly fees, hardware, payment-channel costs, conditional charges, and the commitments attached to each contract.<\/p><p>Always use consistent business information such as card turnover, transaction count, card mix, and payment channel when sourcing quotes. Then calculate the estimated monthly total, annual total, effective rate, and initial-contract cost for a like-for-like comparison.<\/p><p>You can learn more about how these services work through our <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines\/\">Merchant Accounts guide.<\/a> When you are ready to assess your options, compare the pricing models, terms, and suitability of providers in our <a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/Apply\">Best Merchant Accounts comparison.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2972ec14 e-con-full e-flex e-con e-child\" data-id=\"2972ec14\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ac49d68 elementor-widget elementor-widget-heading\" data-id=\"2ac49d68\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"article-ititle\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-243199ad elementor-widget elementor-widget-n-accordion\" data-id=\"243199ad\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"faq-box\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6070\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-6070\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What Card-Processing Fees Do UK Businesses Pay? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6070\" class=\"elementor-element elementor-element-6fa82bd5 e-con-full e-flex e-con e-child\" data-id=\"6fa82bd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74030a26 elementor-widget elementor-widget-text-editor\" data-id=\"74030a26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>UK businesses may pay percentage transaction charges, fixed authorisation fees, monthly account fees, terminal purchase or rental costs, PCI programme charges, gateway fees, and conditional charges for refunds, chargebacks, faster settlement, or cancellation. Providers structure pricing differently, so not every fee applies to every business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6071\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6071\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How Are Credit Card Processing Fees Calculated? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6071\" class=\"elementor-element elementor-element-fc491da e-con-full e-flex e-con e-child\" data-id=\"fc491da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78d6fc20 elementor-widget elementor-widget-text-editor\" data-id=\"78d6fc20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is no reliable card-processing rate that applies to every UK business. Your cost depends on card type, payment channel, turnover, average transaction value, pricing model, and fixed charges. Calculate your effective rate instead of relying on an unsupported market average.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6072\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6072\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How Are Credit Card Processing Fees Calculated? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6072\" class=\"elementor-element elementor-element-25954af e-con-full e-flex e-con e-child\" data-id=\"25954af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e59ee3 elementor-widget elementor-widget-text-editor\" data-id=\"5e59ee3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A credit card processing charge can combine a percentage of the payment with a fixed transaction or authorisation fee. Your overall cost can also include recurring and conditional charges. Calculate your effective rate separately to measure the complete cost across all processed card turnover.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6073\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6073\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What Is an Effective Card-Processing Rate? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6073\" class=\"elementor-element elementor-element-7ad434b e-con-full e-flex e-con e-child\" data-id=\"7ad434b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb5d499 elementor-widget elementor-widget-text-editor\" data-id=\"bb5d499\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your effective card-processing rate is the total cost of accepting card payments divided by processed card turnover, multiplied by 100. It includes applicable transaction, recurring, and conditional charges, providing a fairer comparison than a headline percentage. Use card turnover rather than total business revenue.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6074\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6074\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Are Debit-Card and Credit-Card Fees Different? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6074\" class=\"elementor-element elementor-element-cc14f56 e-con-full e-flex e-con e-child\" data-id=\"cc14f56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-202d5a6 elementor-widget elementor-widget-text-editor\" data-id=\"202d5a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Debit and credit-card payments can have different underlying interchange costs. A provider may quote separate merchant rates or combine both into a blended rate. Commercial and international cards can receive different treatment again, so confirm which cards qualify for each quoted price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6075\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6075\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do Online Payments Cost More Than In-Person Card Payments? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6075\" class=\"elementor-element elementor-element-7359e30 e-con-full e-flex e-con e-child\" data-id=\"7359e30\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b846cfe elementor-widget elementor-widget-text-editor\" data-id=\"b846cfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Not necessarily. Online payments may include card-not-present pricing, fixed transaction charges, and payment-gateway costs. In-person acceptance may instead require terminal purchase or rental and connectivity. Compare the transaction, hardware, and platform costs associated with each channel rather than its headline rate alone.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6076\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6076\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What Is a Minimum Monthly Service Charge? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6076\" class=\"elementor-element elementor-element-304d37e e-con-full e-flex e-con e-child\" data-id=\"304d37e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b8ccfd elementor-widget elementor-widget-text-editor\" data-id=\"8b8ccfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A minimum monthly service charge is the lowest amount of eligible fees you agree to pay each month. If those charges fall below the minimum, the provider may collect the shortfall. Ask which fees count towards it, especially if your business is seasonal or low-volume.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6077\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6077\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What Is a PCI Compliance Fee? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6077\" class=\"elementor-element elementor-element-368cf9e e-con-full e-flex e-con e-child\" data-id=\"368cf9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d201d5e elementor-widget elementor-widget-text-editor\" data-id=\"d201d5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A PCI compliance fee is a provider charge for a compliance programme, validation support, administration, or related security services. The PCI Security Standards Council does not set one universal merchant fee. Check what the charge includes and distinguish it from a separate PCI non-compliance charge.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6078\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6078\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can Card-Processing Fees Be Negotiated? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6078\" class=\"elementor-element elementor-element-5c5d820 e-con-full e-flex e-con e-child\" data-id=\"5c5d820\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cf9ac1 elementor-widget elementor-widget-text-editor\" data-id=\"9cf9ac1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some charges offered by quotation-led providers may be negotiable. Recent statements, turnover, transaction volume, card mix, and competing written quotes can support your request. Ask for another review after significant growth, but remember that flat-rate providers may not negotiate their published standard pricing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6079\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6079\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What Fees Should I Check in a Merchant-Services Quote? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6079\" class=\"elementor-element elementor-element-ab97b62 e-con-full e-flex e-con e-child\" data-id=\"ab97b62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8919067 elementor-widget elementor-widget-text-editor\" data-id=\"8919067\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Check percentage transaction rates, fixed authorisation fees, monthly minimum charges, PCI charges, hardware, gateway costs, refund and chargeback treatment, settlement, and international-card pricing. Also review contract length, renewal, notice periods, cancellation costs, and equipment-return obligations. Confirm every charge in writing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-60710\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-60710\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Are Card-Machine Rental Costs Included in Transaction Fees? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-60710\" class=\"elementor-element elementor-element-b09375f e-con-full e-flex e-con e-child\" data-id=\"b09375f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e73e354 elementor-widget elementor-widget-text-editor\" data-id=\"e73e354\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Card-machine rental may be bundled into a package but is often charged separately from transaction fees. Confirm the monthly rental, contract length, connectivity, maintenance, replacement terms, ownership, and return obligations. Hardware described as included may still commit you to a fixed contract or processing agreement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-60711\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"12\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-60711\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How Do Refunds and Chargebacks Affect Processing Costs? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-60711\" class=\"elementor-element elementor-element-74470cb e-con-full e-flex e-con e-child\" data-id=\"74470cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5660bb9 elementor-widget elementor-widget-text-editor\" data-id=\"5660bb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you issue a refund, the provider may retain the original processing fee or apply a separate refund charge. A chargeback can reverse the disputed payment and incur administration or retrieval fees. Treatment, including whether fees are returned after a successful dispute, varies between providers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What Card-Processing Fees Do UK Businesses Pay?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"UK businesses may pay percentage transaction charges, fixed authorisation fees, monthly account fees, terminal purchase or rental costs, PCI programme charges, gateway fees, and conditional charges for refunds, chargebacks, faster settlement, or cancellation. Providers structure pricing differently, so not every fee applies to every business.\"}},{\"@type\":\"Question\",\"name\":\"How Are Credit Card Processing Fees Calculated?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A credit card processing charge can combine a percentage of the payment with a fixed transaction or authorisation fee. Your overall cost can also include recurring and conditional charges. Calculate your effective rate separately to measure the complete cost across all processed card turnover.\"}},{\"@type\":\"Question\",\"name\":\"What Is an Effective Card-Processing Rate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Your effective card-processing rate is the total cost of accepting card payments divided by processed card turnover, multiplied by 100. It includes applicable transaction, recurring, and conditional charges, providing a fairer comparison than a headline percentage. Use card turnover rather than total business revenue.\"}},{\"@type\":\"Question\",\"name\":\"Are Debit-Card and Credit-Card Fees Different?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Debit and credit-card payments can have different underlying interchange costs. A provider may quote separate merchant rates or combine both into a blended rate. Commercial and international cards can receive different treatment again, so confirm which cards qualify for each quoted price.\"}},{\"@type\":\"Question\",\"name\":\"Do Online Payments Cost More Than In-Person Card Payments?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not necessarily. Online payments may include card-not-present pricing, fixed transaction charges, and payment-gateway costs. In-person acceptance may instead require terminal purchase or rental and connectivity. Compare the transaction, hardware, and platform costs associated with each channel rather than its headline rate alone.\"}},{\"@type\":\"Question\",\"name\":\"What Is a Minimum Monthly Service Charge?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A minimum monthly service charge is the lowest amount of eligible fees you agree to pay each month. If those charges fall below the minimum, the provider may collect the shortfall. Ask which fees count towards it, especially if your business is seasonal or low-volume.\"}},{\"@type\":\"Question\",\"name\":\"What Is a PCI Compliance Fee?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A PCI compliance fee is a provider charge for a compliance programme, validation support, administration, or related security services. The PCI Security Standards Council does not set one universal merchant fee. Check what the charge includes and distinguish it from a separate PCI non-compliance charge.\"}},{\"@type\":\"Question\",\"name\":\"Can Card-Processing Fees Be Negotiated?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Some charges offered by quotation-led providers may be negotiable. Recent statements, turnover, transaction volume, card mix, and competing written quotes can support your request. Ask for another review after significant growth, but remember that flat-rate providers may not negotiate their published standard pricing.\"}},{\"@type\":\"Question\",\"name\":\"What Fees Should I Check in a Merchant-Services Quote?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Check percentage transaction rates, fixed authorisation fees, monthly minimum charges, PCI charges, hardware, gateway costs, refund and chargeback treatment, settlement, and international-card pricing. Also review contract length, renewal, notice periods, cancellation costs, and equipment-return obligations. Confirm every charge in writing.\"}},{\"@type\":\"Question\",\"name\":\"Are Card-Machine Rental Costs Included in Transaction Fees?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Card-machine rental may be bundled into a package but is often charged separately from transaction fees. Confirm the monthly rental, contract length, connectivity, maintenance, replacement terms, ownership, and return obligations. Hardware described as included may still commit you to a fixed contract or processing agreement.\"}},{\"@type\":\"Question\",\"name\":\"How Do Refunds and Chargebacks Affect Processing Costs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When you issue a refund, the provider may retain the original processing fee or apply a separate refund charge. A chargeback can reverse the disputed payment and incur administration or retrieval fees. Treatment, including whether fees are returned after a successful dispute, varies between providers.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ef7de70 elementor-widget elementor-widget-shortcode\" data-id=\"7ef7de70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"3454\" class=\"elementor elementor-3454\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7aaa7ff9 e-con-full e-flex e-con e-child\" data-id=\"7aaa7ff9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-421e38f0 elementor-widget elementor-widget-heading\" data-id=\"421e38f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What's Trending?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fbd1e48 elementor-widget elementor-widget-heading\" data-id=\"6fbd1e48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Find out how you could save your business money<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-331520ba e-con-full e-flex e-con e-child\" data-id=\"331520ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-11c842ef e-con-full e-flex e-con e-child\" data-id=\"11c842ef\" data-element_type=\"container\" 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Sans-serif;font-size:12px;font-weight:700;text-transform:uppercase;font-style:normal;text-decoration:none;line-height:2.25em;letter-spacing:-0.01em;word-spacing:0em;color:#FFFFFF;}.elementor-1921 .elementor-element.elementor-element-985fef4 > .elementor-widget-container{padding:0px 0px 0px 0px;}@media(max-width:1024px){.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{font-size:14px;}}@media(max-width:767px){.elementor-1921 .elementor-element.elementor-element-5b59782{--min-height:340px;}.elementor-1921 .elementor-element.elementor-element-d50222e{text-align:start;}.elementor-1921 .elementor-element.elementor-element-d50222e .elementor-heading-title{font-size:20px;}.elementor-1921 .elementor-element.elementor-element-945ae43 .elementor-widget-container{text-align:start;font-size:13px;}.elementor-1921 .elementor-element.elementor-element-7a41ec7{--justify-content:flex-start;}.elementor-1921 .elementor-element.elementor-element-4788e55{text-align:start;width:var( --container-widget-width, auto );max-width:auto;--container-widget-width:auto;--container-widget-flex-grow:0;}.elementor-1921 .elementor-element.elementor-element-4788e55 .elementor-heading-title{font-size:12px;line-height:1.2em;}.elementor-1921 .elementor-element.elementor-element-985fef4 .elementor-heading-title{font-size:12px;line-height:1.2em;}}<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"1921\" class=\"elementor elementor-1921 e-loop-item e-loop-item-25468 post-25468 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-dojo content_type-guides\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-5b59782 e-con-full e-flex e-con e-parent\" data-id=\"5b59782\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/dojo-card-machine-independent-uk-guide-for-businesses\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d50222e elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"d50222e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Dojo Card Machine: Independent UK Guide for Businesses<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a41ec7 e-con-full e-flex e-con e-child\" data-id=\"7a41ec7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4788e55 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"4788e55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">By Stephen Thompson -<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-985fef4 elementor-widget elementor-widget-heading\" data-id=\"985fef4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">22 Jan 2026<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7db9f307 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7db9f307\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12b16c1 elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"12b16c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;1&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3582 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-best-of\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1400\" height=\"934\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg\" class=\"attachment-full size-full wp-image-21175\" alt=\"contactless payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg 1400w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-300x200.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-1024x683.jpg 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-768x512.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">\n\t\t\t\tBest Card Machines For Your Small Business: 2025 Round-Up\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Your business needs a card machine that&#8217;s suited to you and your customers: here&#8217;s our breakdown<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12145 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine content_type-how-to\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png\" class=\"attachment-full size-full wp-image-12954\" alt=\"Your Guide to Taking Card Payments In-Person and Online\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">\n\t\t\t\tHow to Take Credit Card Payments In 2025\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Taking card payments is key to business growth, here\u2019s how it works in-person and online. Taking<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-11699 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving category-merchant-account-reviews content_type-best-of content_type-comparisons\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-merchant-accounts-for-your-growing-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/08\/b74c41e7348553739a6735c389b1fbe6aca52c90.jpg\" class=\"attachment-full size-full wp-image-3813\" alt=\"Best merchant accounts for your business\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/08\/b74c41e7348553739a6735c389b1fbe6aca52c90.jpg 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/08\/b74c41e7348553739a6735c389b1fbe6aca52c90-300x300.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/08\/b74c41e7348553739a6735c389b1fbe6aca52c90-150x150.jpg 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/08\/b74c41e7348553739a6735c389b1fbe6aca52c90-768x768.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/best-merchant-accounts-for-your-growing-business\/\">\n\t\t\t\tBest Merchant Accounts Compared: Our Verdict\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Payment processors can unlock growth for your business, but which one is best for you? Payment<\/p>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74eb876c elementor-align-right elementor-widget elementor-widget-button\" data-id=\"74eb876c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-593ac371 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-child\" data-id=\"593ac371\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0beba2 elementor-grid-1 elementor-posts--align-left whats-trending elementor-posts--thumbnail-left elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-posts\" data-id=\"7e0beba2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-25230 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-stripe content_type-guides\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png\" class=\"attachment-full size-full wp-image-25231\" alt=\"Stripe Payments Explained for UK Businesses\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses.png 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-300x200.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2026\/01\/Stripe-Payments-Explained-for-UK-Businesses-768x512.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/stripe-payments-explained-for-uk-businesses\/\">\n\t\t\t\tStripe Payments Explained for UK Businesses\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-3582 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-account-cost-saving tag-card-machine content_type-best-of\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1400\" height=\"934\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg\" class=\"attachment-full size-full wp-image-21175\" alt=\"contactless payments\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file.jpg 1400w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-300x200.jpg 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-1024x683.jpg 1024w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2025\/05\/Adobe-Express-file-768x512.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/card-machines-for-small-business\/\">\n\t\t\t\tBest Card Machines For Your Small Business: 2025 Round-Up\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-12145 post type-post status-publish format-standard has-post-thumbnail hentry category-merchant-accounts category-merchant-accounts-guide tag-card-machine content_type-how-to\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png\" class=\"attachment-full size-full wp-image-12954\" alt=\"Your Guide to Taking Card Payments In-Person and Online\" srcset=\"https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online.png 800w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-300x300.png 300w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-150x150.png 150w, https:\/\/commercialexperts.com\/uk\/wp-content\/uploads\/sites\/4\/2024\/10\/Your-Guide-to-Taking-Card-Payments-In-Person-and-Online-768x768.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/commercialexperts.com\/uk\/merchant-accounts\/taking-card-payments-ultimate-guide\/\">\n\t\t\t\tHow to Take Credit Card Payments In 2025\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78ed3168 elementor-align-right elementor-mobile-align-right elementor-widget elementor-widget-button\" data-id=\"78ed3168\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/commercialexperts.com\/uk\/articles\/merchant-accounts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View all<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Last reviewed: August 2026. Fees, terms, and service availability can change, so confirm all charges in your written quote before applying. How Much Do UK Businesses Pay to Process Cards?<\/p>\n","protected":false},"author":20,"featured_media":27691,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"content_type":[],"ppma_author":[169],"class_list":["post-27642","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorised"],"acf":[],"authors":[{"term_id":169,"user_id":20,"is_guest":0,"slug":"admints","display_name":"admints","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/30c565a92f3f10e3886a87206bd0d71c75f4daca193ab2615aff0e779867d3ff?s=96&d=mm&r=g","author_category":"","first_name":"","last_name":"","user_url":"","job_title":"","description":""}],"_links":{"self":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/27642","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/comments?post=27642"}],"version-history":[{"count":26,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/27642\/revisions"}],"predecessor-version":[{"id":27696,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/posts\/27642\/revisions\/27696"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media\/27691"}],"wp:attachment":[{"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/media?parent=27642"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/categories?post=27642"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/tags?post=27642"},{"taxonomy":"content_type","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/content_type?post=27642"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/commercialexperts.com\/uk\/wp-json\/wp\/v2\/ppma_author?post=27642"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}