1. Card Machine Fees Explained
Understanding your card machine fees is the first step to reducing them.
2. Transaction Rate
The percentage charged on every card payment. Usually split between debit (lower) and credit (higher).
3. Monthly Rental
Charged for the physical terminal. Can range from £0 to £30+ depending on provider.
4. PCI DSS Fee
Data security compliance fee. Often charged monthly even when you’re already compliant.
5. Authorisation Fee
A small per-transaction charge (1–3p) on top of the percentage rate.