Who publishes a card rate, and who does not

In the United States, 7 of 22 providers publish enough for a three-year total to be built; in the United Kingdom, 13 of 20 do (checked 2026-08-25). Several pages publish a rate only up to a stated turnover figure and quote above it: Dojo above £100,000 a year, Elavon above £200,000 (checked 2026-08-25).

I hold 22 providers for the United States and 20 for the United Kingdom (checked 2026-08-25). Each has a page about price. Only some carry enough to work out what a shop would pay, and the provider list marks which is which.

What counts as publishing enough

A page passes when it gives a card-present percentage, any per-transaction fee, and every fixed monthly cost. From those three, a 36-month total can be built without asking for a quote. Those numbers are set out in what card payments cost.

Seven US providers pass: Square, Shopify, Stripe, PayPal (Zettle), SumUp, Lightspeed Retail, and SpotOn (checked 2026-08-25). Thirteen UK providers pass: Square, Shopify, Stripe, PayPal (Zettle), SumUp, Elavon, Dojo, Tyl by NatWest, Barclaycard Payments, Epos Now, myPOS, Cardnet (Lloyds Bank), and Paymentsense (Nexi) (checked 2026-08-25).

Four providers publish every number

Square, Stripe, myPOS, and Tyl by NatWest publish a percentage, a per-transaction fee where one applies, and their fixed monthly costs (checked 2026-08-25). Tyl by NatWest publishes 1.39% + £0.05 on personal cards and 1.99% + £0.05 on other cards, up to £50,000 a year (checked 2026-08-25). Its PAX A80 countertop terminal is £13.99 plus VAT a month, and the page states there is no minimum monthly service charge (checked 2026-08-25).

myPOS states that there are no fixed monthly costs (checked 2026-08-25). It publishes 1.10% + £0.07 for domestic consumer cards taken in person (checked 2026-08-25). The exceptions sit in the same table: EEA consumer cards 2.20% + £0.07, American Express 2.45% + £0.07, everything else 2.85% + £0.07 (checked 2026-08-25).

Those disclosures produce steady rates. myPOS pay as you go works out at 1.45% at every level from £2,000 to £10,000 a month, the top of the band myPOS publishes it for (checked 2026-08-25). Its non-domestic and commercial card rate works out at 3.20% at every level from £2,000 to £100,000 a month (checked 2026-08-25). Tyl's Tap to Pay works out at 1.64% at £2,000 a month, the only level inside the £50,000 of annual card volume Tyl publishes its rates for (checked 2026-08-25).

The effective rate calculator puts your own monthly card sales through the same arithmetic.

Some pages show a price but no rate you can total

Wording read on each provider's own published pricing page (checked 2026-08-25).
ProviderMarketsWhat the pricing page says about the card rate
ToastUS, UKSoftware from $69 a month; the rate is quoted per restaurant, and the UK page calls it a per-transaction flat rate
WorldpayUS, UK"pricing is tailored to your business depending on your payment needs"; the US page routes you to a form
takepaymentsUK"We'll tailor make you a pricing package"; "How much you'll pay depends on the model you choose, the type of card payments and your turnover"
HandepayUK"You will pay a rental fee for your card machine and then a small percentage of each transaction value"
Global PaymentsUS, UK"Pricing shown is for software subscriptions only"; "Final pricing is subject to underwriting, approval, and applicable agreements"
CloverUSClover Compact at $349, or $0.01 a month with a $100,000 minimum annual volume and a three-year processing agreement; the page is script-rendered

Toast prices its software in both markets and stops. Its US Starter Kit is $0 a month with hardware at no upfront cost, and its UK Essentials plan is £150 a month (checked 2026-08-25). Neither figure says what a card costs; the row sits on the Toast page.

Global Payments does show a US figure, 2.60% + $0.10 on the Essentials plan (checked 2026-08-25). The same page states that interchange, assessments, and other third-party charges are not included (checked 2026-08-25). A number with that much carved out is not a rate you can total.

Does a quote form mean the price is worse?

No. It means the price is not knowable before you apply, so it cannot be set against a published one. Handepay publishes what it does not charge, but never the percentage or the rental (checked 2026-08-25). What a 'get a quote' button is for covers what happens after you fill it in.

Publishing a markup is not publishing a total

Five US plans publish an interchange-plus markup rather than a rate (checked 2026-08-25). Helcim publishes interchange plus 0.40% plus $0.08 for a card-present sale, and states that it charges no statement fees, monthly minimums, annual fees, or PCI compliance fees (checked 2026-08-25). Payment Depot publishes variable rates as low as 0.20% to 1.95%, and does not publish its membership fee (checked 2026-08-25).

Both pages are more open than a quote form. Neither lets you build a total, because the interchange under the markup never appears, as why interchange-plus pricing cannot be totaled sets out.

The line usually falls at a turnover figure

Dojo publishes an all-in blended 1.20% for businesses under £100,000 of annual turnover (checked 2026-08-25). Above that, its page offers a custom rate on a 12-month fixed plan or a 30-day rolling plan (checked 2026-08-25). The same page publishes to the small shop and quotes to the larger one; the Dojo page carries both halves.

Elavon splits its UK page the same way. Start Simple is 1.75% for turnover of £0 to £40,000, and Business Booster is 0.99% with a £15 monthly terminal fee for £40,000 to £200,000 (checked 2026-08-25). Two bands, then silence above them.

What the two markets look like side by side

UK pages publish more. Three UK providers are quote-only, and all 20 pages could be read (checked 2026-08-25). In the US, one provider is quote-only and two could not be read: Revel Systems returned an HTTP 403, and Clover's page is script-rendered (checked 2026-08-25).

I do not know why the split falls this way, and no page explains it. What can be observed is that Dojo and Elavon stop publishing above a stated turnover figure, and that Worldpay, takepayments, and Handepay publish no rate at any size (checked 2026-08-25).

Where the answer changes

Who this article is not for

This does not help you if you have already signed. A quoted rate is what it is, and other providers' pages will not tell you what you agreed to. It also does not help a business large enough that everyone quotes it.

Sources

How this article was made. Written by Kaz, an independent publisher. All figures come from the companies' own published documentation; each figure carries the date it was last checked. I have not used these products, and nothing here is a personal test result. The arithmetic is shown so you can recalculate with your own numbers. Found an error? Use the contact form; corrections are logged on the Editorial policy page.

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Written by Kaz (pen name). Figures are copied from providers' published pricing pages on the dates shown. We have not used these products. Corrections: contact form.