ClearCardCosts
Free calculator

Pay Monthly vs Pay-As-You-Go

Compare monthly subscription and pay-as-you-go card payment pricing.

Compare two pricing structures using the same expected turnover and transaction count rather than relying on headline rates alone.

Enter your figures, then select Calculate estimate.

How this calculation works

Each option combines its percentage and per-transaction charges. The subscription is then added only to the monthly plan.

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

What to check

  • Test quiet, typical and busy months
  • Include minimum commitments and contract charges where relevant
  • Remember that the cheapest plan may not offer the best settlement speed or support

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.