Kwesi Clement for SumUp

Save Money on Your Card Payment Rates — Guaranteed.

Whether you already have a card machine or are looking to get one, I guarantee I can beat your current rate and secure you a better one.

  • ✔ Guaranteed better rates

  • ✔ Fast, easy setup

  • ✔ Trusted SumUp partner

  • ✔ POS systems tailored to your business

Blended Rate Calculator

Find out the actual percentage you’re paying on your monthly card processing.

(gross card takings)
Include all card sales processed through your terminal(s) for the chosen statement period.
(for the same period)
What fees should I include?
Add all provider charges for the period, such as:
• Per-transaction fees (auth fees), % mark-ups, scheme fees, interchange.
• Monthly/annual fees (terminal/line rental, service/statement fees, PCI/non-compliance, gateway, minimum monthly service charge).
• Misc/platform fees, batch fees, AVS/3-D Secure fees, and any chargeback fees paid in the period.
Exclude refunds/credits from the provider. If a one-off setup fee distorts this month, you can exclude it and note it separately.
Use totals from your monthly statement. Match the same date range for both fields.
Your blended rate is
Formula: (Total fees ÷ Total processed) × 100.

01.

Send us your current statement →

We review your rates.


02.

We guarantee savings →

If we can’t beat it, we’ll tell you upfront.


03.

Switch with ease →

We handle the setup & transition.

04.

Ongoing support →

You get a direct consultant, not a call centre.

Here to save you money

Why Choose Us

Your personal consultant

  • Guaranteed Better Rates: If you already use a card machine, I’ll beat your rate — no hidden fees.

  • Trusted SumUp Partner: Industry-leading, secure payment solutions.

  • POS Systems That Work: Tailored setups for retail, hospitality, and service-based businesses.

  • Personal Service: No long contracts, no confusing jargon — just straight savings.

Adam Pearson, Commercial Director at The O2“We’re excited to welcome SumUp to The O2 as our Official Payment Processor. Working with partners like SumUp, and our longstanding Payment Partner American Express, enables us to provide a truly best-in-class payment experience for our visitors so that they can spend more time enjoying the world-famous acts on stage, and all that The O2 has to offer.”

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Ready to Save on Your Card Payments?

Book a free in person or online consultation

Kwesi Clement
+44 7852594054
Disclaimer: “We are an independent consultant for SumUp. All savings are based on comparison against your current provider’s published or contracted rates."

© BetterPOSrates. All rights reserved.

Thank you

We’re all about making sure you won’t regret choosing us. We pride ourselves on giving a genuinely human service to human people. After all, your business isn’t just another number — and neither are you.

BetterPOS Guide — 2025

Best POS & Card Machine Rates in the UK (2025)

Compare real pricing from leading providers — and see how BetterPOS clients secure exclusive low rates (as low as 0.69% blended) plus up to 50% off POS terminals.

Get My BetterPOS QuoteSkip to Comparison Table

Prices current as of 29 October 2025.

🥇 Our Best-Value Winner: SumUp

SumUp (Payments Plus Plan)from 0.99% + £19/m

If your monthly volume justifies a small subscription, SumUp Payments Plus delivers unbeatable value at 0.99% for domestic cards. Through BetterPOS, many merchants access even lower rates.

BetterPOS Insider Advantage: Some BetterPOS merchants pay as little as 0.69% blended, depending on turnover and card mix. We also secure up to 50% off hardware bundles.
  • Standard PAYG: 1.69% (domestic consumer)
  • Payments Plus (£19/m): 0.99% domestic / 1.99% international
  • Online: 2.5% per transaction
  • Hardware: All-in-one terminals with built-in POS, printer, and Wi-Fi

Best for: Sole traders, cafés, and mobile businesses seeking the lowest all-in blended rate.

🥈 Square

Flat 1.75% in-person and from 1.4% + 25p online. Free POS app and affordable readers from £19.

🥉 Zettle by PayPal

Simple fixed rate of 1.75%. Integrates with PayPal and has excellent reporting. Great for predictability.

Teya (formerly SaltPay)

Flexible, transparent pricing from about 1.29%–1.9% depending on volume. Options to rent or buy terminals.

Barclaycard Payments

Enterprise-grade processing with bespoke rates and line-item fees (gateway, PCI, rental). Suited to higher-volume merchants.

Epos Now Payments

Integrated POS + payments with quoted rates. Strong for hospitality and retail setups needing one system.

Quick Comparison Table

ProviderIn-PersonOnlineMonthlyHardware
SumUp (PAYG)1.69%2.5%£0Readers from £25
SumUp (Plus)0.99%0.99%£19Up to 50% off via BetterPOS
Square1.75%1.4% + 25p£0Reader £19–29
Zettle1.75%Varies£0Reader from £29
Teya1.29–1.9%~2.5%£0Rent or buy
BarclaycardBespokeBespokeLine-itemTerminals £15–£29/m
Epos NowFixed (quote)Fixed (quote)Software feeIntegrated POS

Get Your BetterPOS Rate

We’ll benchmark your business and show you the real rate you should be paying — often far below public web prices.

  1. Tell us your average card turnover and card mix
  2. Pick your preferred device or Tap to Pay
  3. Receive your tailored quote within 24 hours
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