Step 1 of 3

Find the right
payment provider for you.

Whether you're about to take your first card payment or you've been with the same provider for years, TillSwift compares every major UK payment provider against your actual volumes — transaction rates, monthly fees, and total cost over three years — so you can pick the cheapest option with total confidence. This is a free and impartial service that truly works in your best interests.

What you'll get
→ Every UK payment provider ranked for your exact transaction volumes
→ A clear three-year cost comparison — fees, rates, and subscriptions included
→ The best provider for your business, highlighted — whether you're switching or starting fresh
Step 2 of 3

Just pick your business
and you're done.

All the hard work is already done. We've built a proprietary cost model on years of merchant statements, interchange tables and reader-level data that isn't published anywhere — the sort of detail acquirers, card schemes and consultants normally keep to themselves — and we keep every provider's rates up to the minute. Pick your business type below and the calculator instantly shows you the very latest rates from every UK provider, ranked for your category.

That's it — pick a profile and the calculator does the rest. It loads the channel mix, card-type split, debit-vs-credit ratio, Amex acceptance, transaction count and average ticket for your category — all calibrated against real UK merchant data — then shows you the very latest live rates from every provider. Nothing else to fill in unless you want to.
This one choice is all the calculator needs — it feeds the model with channel split, card-type mix, debit/credit ratio, Amex acceptance, average ticket and trading days, then ranks every provider on their very latest published rates. Public price lists ignore all of these levers; we don't.
Not sure? Check your card reader, bank statement, or look for the name on your app.
Your numbers at a glance
3-year card revenue
—
Fees over 3 years
—
You will save
—
Annual price inflation
3.0%
Annual volume growth
3%
Where do you take payments?
In-person 100%
Online 0%
CNP / phone-billed 0%
Total: 100%
Card type mix
Debit cards 75%
Credit cards 25%
Amex / premium 0%
Total: 100%
Rate breakdown at your tier
Each cell shows the rate that applies. Cell shading reflects how much of your volume flows through that combination.
Debit Credit Amex / premium Channel
Card mix — — —
Year-1 card volume
—
Blended rate
—
You're ready
Step 3 of 3

Your full
recommendation.

Every UK provider ranked for your exact volumes. Your recommended option is highlighted. Click any card to view their official pricing page.

BETA

TillSwift is live. Unlock your full comparison to see the complete provider detail set.

Sort by

All rates sourced directly from provider websites. Rates subject to change — verify before committing.