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Merchant Quote and Trading-Pattern Workspace

Compare two written card-payment quotes across in-person, online and overseas sales plus quiet, typical and busy months.

Compare two written quotes against how customers actually pay and how trading changes through the year. Figures remain in this browser.

Typical monthly in-person turnover (£)Typical monthly in-person transactionsTypical monthly online turnover (£)Typical monthly online transactionsTypical monthly overseas-card turnover (£)Typical monthly overseas-card transactionsQuiet months per yearTypical months per yearBusy months per yearQuiet month as share of typical (0.5 = 50%)Busy month as multiple of typical (1.5 = 150%)Quote A: in-person rate (%)Quote A: online rate (%)Quote A: overseas-card rate (%)Quote A: fee per transaction (£)Quote A: fixed monthly fees (£)Quote A: monthly minimum (£)Quote A: setup/equipment costs (£)Quote A: exit/switching costs (£)Quote A: contract term (months)Quote B: in-person rate (%)Quote B: online rate (%)Quote B: overseas-card rate (%)Quote B: fee per transaction (£)Quote B: fixed monthly fees (£)Quote B: monthly minimum (£)Quote B: setup/equipment costs (£)Quote B: exit/switching costs (£)Quote B: contract term (months)Enter your figures, then select Calculate estimate.

How this calculation works

Each quote applies separate percentage rates to in-person, online and overseas-card turnover, adds per-transaction and fixed charges, respects a monthly minimum, then weights quiet, typical and busy months. One-off and exit costs are kept visible.

The values pre-filled above are examples only. Replace every figure with your own provider quote, statement and operating assumptions.

What to check

Use written rates and identify exactly which cards qualify
Make quiet, typical and busy months total twelve
Record unmodelled gateway, refund, chargeback, PCI, hardware, VAT and settlement terms beside the downloaded report

Worked scenario

The example separates in-person, online and overseas-card turnover, then applies three quiet, six typical and three busy months. Replace every tariff and trading assumption with the exact written quotes and your own representative figures.

Questions people ask

Does the lower estimate prove the quote is better?

No. It compares entered costs only. Card eligibility, settlement, support, reliability and unmodelled terms can outweigh the displayed difference.

Why show the contract term?

A low annual estimate can still carry a long commitment. Review termination rights and total exposure separately before signing.

Make a like-for-like decision

Run a quiet, normal and busy scenario. Record the source and date of every input, keep one-off and recurring charges separate, and compare settlement timing, support, contract length and exit terms as well as price. A small numerical advantage is not useful if it depends on an unrealistic card mix or turnover.

Use the result carefully

A calculator can make pricing easier to compare, but it cannot reproduce every provider rule. Run more than one scenario and check the result against the actual contract, price list or statement before making a decision.