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Matchbox — PSP Rate Calculator
What does every transaction cost you?
Enter your monthly card processing statement totals — online checkout or in-store terminal. Instantly see your true cost per transaction. Built for businesses of all sizes. PSP sales teams and payment consultants, share it with merchants so they can crunch the numbers independently.
💡 What is a blended rate?
Your blended rate is the average fee you pay per transaction, regardless of card type or funding source — debit, credit, personal, business — all need to be factored in. It's your total monthly fees divided by your total transaction volume. If your PSP charges a fixed fee per transaction (standard with providers like Stripe or Braintree), entering it here separates the variable % from the fixed charge.
Your Monthly Card Processing Statement
?
Enter the fixed fee per transaction in main currency units — already included in your statement total.

Typical values:
• Stripe UK: 0.20 (20p)
• Braintree: 0.20 (20p)
• PayPal Cards: 0.30 (30p)
• Checkout.com: 0.20 (20p)
• WorldPay: 0.03–0.20
• Adyen: varies by scheme

Leave blank if percentage-only pricing.
Type in pence (e.g. 20 → £0.20) or enter decimal directly (0.20)
?
Use the grand total of all fees on your monthly statement — this includes card processing fees, 3D Secure fees, authorisation fees, IC++ charges, and any refund fees your PSP passes on.

Refunds: some processors still charge a refund fee — include these. Most PSPs retain the original transaction fee on a refund because Visa and Mastercard don't return it; the fee is consumed by the work of processing both the payment and the refund, so it stays on your statement but does not increase your costs.

Chargebacks: exclude these. Chargeback fees are one-off occurrences and can reflect the total disputed transaction value rather than a standard usage fee — they'll skew your blended rate if included.
Gross total monthly processing fees from your PSP statement
?
A payment gateway securely transmits card data between your website and your PSP. Some businesses use a separate gateway on top of their PSP — for example, SagePay (now Opayo) captures and encrypts card details and passes them to the acquiring bank, billing its own monthly fee separately.

3rd party gateway providers normally charge a fixed minimum monthly fee at low volumes, or a fixed fee plus per-transaction fee at higher volumes. Enter the bottom-line total for the same month as your PSP statement to get an overall blended rate.
Any additional monthly gateway fee shown on an additional statement, often from a different provider
Current Blended Rate
you are paying an average of
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ATV (Average Transaction Value)—
Total Cards Value—
No. Transactions—
Total Cost (statement + gateway)—
Amex: American Express is typically priced separately and at a higher rate than Visa/Mastercard. Exclude Amex volume and fees for the most accurate blended rate — assess Amex independently.
Matchbox — Reverse MatchBox
Compare your rate against a new blended rate offer
You know what you're paying — now measure it against a simple blended rate quote from a provider like Stripe or Revolut Pay. Enter the new offer in the box on the right to see how it compares.
💡 When to use this tab
Your current blended rate and statement data sync automatically from the MatchBox tab. If you've been quoted a simple blended rate (e.g. 1.5% + 20p), enter it in the New Blended Offer box to instantly see monthly and annual savings.

Got a more complex legacy-style quote with separate rates for debit, credit, corporate, etc.? Use the Advanced Comparison tab instead.
Current Card Payment Provider
Total from your current PSP's monthly statement
ATV (Average Transaction Value)—
Current Blended Rate
you are paying an average of
—
Current PSP Total Fee monthly—
New Blended Offer
Percentage of transaction value (e.g. 0.95 = 0.95%)
Type in pence (e.g. 15 → £0.15) or enter decimal directly (0.15)
New Blended Rate
you would be paying an average of
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New PSP Total Fee monthly—
💰 Savings If You Switch
Monthly Saving
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Est. Annual Saving
—
% Saving on Card Fees
—
Est. Annual Cards Volume—
No. Processing Statements12
Monthly Fee Comparison
Current PSP Total Fee
CURRENT
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per month
New PSP Total Fee
NEW OFFER
—
per month
What's Included in the Rate?
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A headline blended rate doesn't always tell the whole story. Some PSPs bundle 3DS, fraud screening, and tokenisation into the rate — others charge them as extras.

Tick what's included in each rate to spot hidden costs. If the new offer looks cheaper but excludes features your current PSP bundles in, the real saving may be smaller — or it could cost you more once you add the extras.
Feature
Current
New Offer
Tip: If a feature is unticked on the new offer, check whether you need it — and what it would cost as an add-on. That add-on cost should be factored into the real comparison.
Settlement Timing
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Settlement timing (also called payout speed) is how long after a transaction is processed before the funds land in your bank account. T+1 means next business day, T+3 means three business days, etc.

Why it matters: Slower settlement ties up your working capital. If you process £165k/month and your PSP settles T+7 instead of T+1, that's roughly 6 extra days of cash sitting with your PSP instead of in your account — impacting cash flow, payroll, supplier payments, and the opportunity cost of that capital.

Watch for: Some providers offer faster settlement at a premium (e.g. instant payouts for 1%), or impose rolling reserves and delayed settlement on higher-risk verticals (T+14, T+30, or even T+60/T+90). Always factor settlement into your total cost of payments.
Current PSP
Avg. daily volume held—
Capital tied up—
New Offer
Avg. daily volume held—
Capital tied up—
What If My Fixed Fee Changed?
Your total cost is made up of two parts: a variable % rate and a fixed fee per transaction. Change the fixed fee below to see how it shifts the variable % — using the same total cost from your statement. A higher fixed fee means a lower variable %, and vice versa. This helps you understand what you're really paying and gives you leverage when negotiating.
Example: If your blended rate is 2.00% and your PSP quotes you 1.5% + 20p, these cards show whether that's actually cheaper or just reshuffling the cost.
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+ £0.30
—
—
+ £0.20
—
—
+ £0.10
—
Amex: American Express is typically priced separately and at a higher rate than Visa/Mastercard. Exclude Amex volume and fees for the most accurate comparison — assess Amex independently.
Matchbox — Advanced Comparison
Compare your full cost of payments
Go beyond blended rates — break down costs by card type, add ancillary fees, and compare the true bottom-line cost between your existing provider and a new quote.
💡 When to use this tab
Use this tab when you have a detailed quote with separate rates per card type (e.g. different rates for personal debit, personal credit, corporate cards) or when you want to factor in ancillary fees like 3DS, chargebacks, fraud screening, etc.

Each side can independently be set to Simple Blended (one rate for everything) or Detailed Breakdown (separate rates per card type). The comparison always outputs a single bottom-line monthly cost so you can compare like-for-like, regardless of how each side is structured.

For a quick blended-rate-only comparison, the Reverse MatchBox tab is faster.
Existing PSP
Leave blank if percentage-only
ATV—
Card Mix — Volume by Card Type
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Enter the monthly value processed on each card type. You can find this on your PSP statement or dashboard — look for a breakdown by card scheme and type (consumer/commercial, debit/credit). The percentages are calculated automatically from your total cards value.
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—
—
—
Allocated: —Outstanding: —
Rates per Card Type
Card Type
Rate %
Fixed (£)
Debit Personal
Debit Corporate
Credit Personal
Credit Corporate
Optional — enter to cross-check against card-type totals
+ Amex Pricing (separate)
ATV—
Est. Blended Rate—
Monthly Cost—
Cost per Transaction—
Annual Cost—
New Quote
Leave blank if percentage-only
ATV—
Card Mix — Volume by Card Type
?
Enter the expected monthly value per card type. If your card mix won't change, these will match the existing PSP. The percentages are calculated automatically.
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—
—
—
Allocated: —Outstanding: —
Quoted Rates per Card Type
Card Type
Rate %
Fixed (£)
Debit Personal
Debit Corporate
Credit Personal
Credit Corporate
+ Amex Pricing (separate)
ATV—
Est. Blended Rate—
Monthly Cost—
Cost per Transaction—
Annual Cost—
Ancillary Fees

Enter the fee amount and either the number of affected transactions or the percentage — the other is calculated automatically. Leave blank for fees that don't apply.

Transaction Fees ▾
Existing PSP
3D Secure (3DS) ?3DS is the security authentication step (e.g. Verified by Visa). Most online transactions in Europe require 3DS under SCA regulation. Your PSP may charge a per-transaction fee for this.
or
Authorisation Fees ?A fee charged each time a card is authorised (checked for funds), whether or not the payment is captured. Usually applies to all transactions.
or
Chargeback Fees ?A fee charged when a customer disputes a transaction. Typical rates are £15-£25 per chargeback. Most merchants experience 0.1%-1% of transactions as chargebacks.
or
New Quote
3D Secure (3DS)
or
Authorisation Fees
or
Chargeback Fees
or
International & Currency ▾
Existing PSP
Cross-Border Fees (added to base rate) ?A per-transaction fee charged on top of your standard processing rate when the card is issued in a different country to your acquiring bank. This is an additional cost — e.g. Stripe adds 1.5% for EEA cards and 3.25% for non-EEA cards ON TOP of the base rate. Some PSPs have two tiers — a lower fee for EEA/near regions and a higher fee for international.
Tier 1 — EEA / Near
or
+ Add Tier 2 — International / Rest of World
or
FX / Currency Conversion ?A percentage markup applied on top of the exchange rate when converting foreign currency transactions. This is applied to the transaction value, not a flat fee. Separate from the cross-border per-transaction fee.
or
New Quote
Cross-Border Fees (added to base rate)
Tier 1 — EEA / Near
or
+ Add Tier 2 — International / Rest of World
or
FX / Currency Conversion
or
Additional Services ▾
Existing PSP
Fraud Screening ?Fee for fraud detection services (e.g. Kount, Sift, Riskified, or your PSP's built-in fraud tool). Usually a per-transaction fee applied to all or most transactions.
or
Account Updator ?Automatically updates expired or replaced card details for stored/recurring payments. Reduces failed payments for subscription businesses. Usually charged per card updated.
or
Vault / Tokenisation ?Secure card storage service — stores card details as tokens for repeat or subscription payments. Some PSPs include this, others charge a monthly fee plus per-record fee.
Recurring Billing ?Some PSPs charge an additional per-transaction fee for recurring/subscription payments on top of the standard processing fee.
or
Gateway Fee ?A separate monthly or per-transaction fee from a third-party payment gateway (e.g. Opayo/SagePay). Not all merchants have this — it depends on your setup.
New Quote
Fraud Screening
or
Account Updator
or
Vault / Tokenisation
Recurring Billing
or
Gateway Fee
Ancillary Fee Comparison
Fee Type Existing New Quote
3DS Fees——
Auth Fees——
Chargeback Fees——
Cross-Border Fees——
FX Fees——
Fraud Screening——
Account Updator——
Vault / Tokenisation——
Recurring Billing——
Gateway——
Total Ancillary Fees — —
Total Cost Summary
Existing New Quote
Card Processing Fees — —
Ancillary Fees — —
Total Monthly Cost — —
Settlement Timing
?
Settlement timing (also called payout speed) is how long after a transaction is processed before the funds land in your bank account. T+1 means next business day, T+3 means three business days, etc.

Why it matters: Slower settlement ties up your working capital. If you process £165k/month and your PSP settles T+7 instead of T+1, that's roughly 6 extra days of cash sitting with your PSP instead of in your account — impacting cash flow, payroll, supplier payments, and the opportunity cost of that capital.

Watch for: Some providers offer faster settlement at a premium (e.g. instant payouts for 1%), or impose rolling reserves and delayed settlement on higher-risk verticals (T+14, T+30, or even T+60/T+90). Always factor settlement into your total cost of payments.
Existing PSP
Avg. daily volume held—
Capital tied up—
New Quote
Avg. daily volume held—
Capital tied up—
📊 Comparison Result
Monthly Saving
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Annual Saving
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% Saving
—
Saving per Txn
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Enter data above to compare
Amex: American Express is typically priced separately and at a higher rate than Visa/Mastercard. Exclude Amex volume and fees from both sides for the most accurate comparison — assess Amex independently.
Matchbox — Wallet Checkout
Wallet vs Standard Card — compare your payment channels
Enter each channel's real volume and rate. See the true cost breakdown, what percentage of your business each channel represents, and whether the wallet premium is justified.
💡 When to use this tab
Most PSPs charge a different (usually higher) rate when a customer pays through a digital wallet or alternative payment method vs entering their card details directly.

Example: Stripe charges 1.5% + 20p for UK card payments, but PayPal transactions through Stripe cost 2.9% + 30p. Apple Pay and Google Pay sometimes match card rates, sometimes don't — it depends on your PSP agreement.

Enter each channel's own monthly volume and transaction count along with its rate. You can add up to 3 wallet channels (e.g. PayPal, Apple Pay, Google Pay) to compare against your standard card rate. The tab shows the actual cost per channel, the percentage of your business each represents, and a side-by-side comparison with totals — so you can see at a glance whether the wallet premiums are justified by the business they bring.
Volume Split
Total Monthly Volume —
Standard Card

Your normal card processing — typed-in card, card-on-file, or recurring.

OR
Wallet 1

The wallet or alternative checkout method you want to compare.

OR
Side-by-Side Comparison
Is the wallet premium worth it?
Questions to consider: If you didn't offer the wallet, would these customers go elsewhere? Would a different wallet be equally effective but cheaper? Does the wallet's higher conversion rate justify the premium? The rate difference only matters in context of the business each channel brings you.
Note: Each channel uses its own volume and rate. The comparison doesn't account for the potential uplift in conversion that wallets may bring — that's a commercial judgement only you can make.
Settlement Timing
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Each channel may settle at a different speed. PayPal often holds funds T+3 to T+7, Apple Pay settles via your acquirer (often T+1), while card acquirers typically settle T+1 to T+3.

Why it matters: Slower settlement ties up working capital. A wallet with a higher rate and slower settlement is doubly expensive.
📊 PSP Rate Benchmark BETA
Submit your anonymised comparison to help build a real-world benchmark of PSP rates across UK businesses. In return, you'll see how your rates compare against the crowd. No company names, no identifying data — just rates, volumes, and what people are really paying.
Built for fun by someone who's spent a long long, long long long time staring at PSP statements. Not financial advice — just a calculator with opinions about card fees. Use at your own risk (and always read the small print).