This summary shows our charges for card payments, and other important information about our service.You can use this to compare our service with other providers, to find the best deal for you. We are required to provide this information by the Payment Systems Regulator.
Your costs for accepting common individual card payments4
Mastercard |
|||
UK-based card |
Debit1 |
Credit2 |
Business3 |
In person5 |
1.09% | 1.19% | 1.59% |
Online/phone6 |
1.14% | 1.24% | 2.04% |
Visa |
|||
UK-based card |
Debit1 |
Credit2 |
Business3 |
In person5 |
1.27% | 1.37% | 1.82% |
Online/phone6 |
1.95% | 2.05% | 2.90% |
| Authorisation fee | £0.04 |
| Chargeback fee | £25.00 |
| Retrieval fee | N/A |
| Chargeback fee | £25.00 |
| Retrieval fee | N/A |
Example
If your customer uses a Mastercard personal debit card in person to purchase a £10 item, you would pay:
If your customer uses a Mastercard personal debit card in person to purchase a £10 item, you would pay: |
£0.11
(1.1% of £10.00) |
+ £0.04
(authorisation fee) |
= £0.15 |
If your customer uses a VISA personal credit card online or by phone to purchase a £10 item, you would pay:
If your customer uses a VISA personal credit card online or by phone to purchase a £10 item, you would pay: |
£0.21
(2.1% of £10.00) |
+ £0.04
(authorisation fee) |
= £0.25 |
Other monthly charges
Point-of-sale terminal (per terminal per month) |
£26.00 |
Gateway7 |
£25.00 |
PCI DSS service fee8 |
£6.00 |
Minimum monthly service charge (MMSC)9 |
£30.00 |
Other details
Settlement time |
48 hours |
Payment brands accepted |
VISA Mastercard Union Pay JCB DCI/Discover American Express |
- Personal debit cards.
- Personal credit cards.
- Business debit cards.
- These are the most commonly used cards at most merchants. You pay us a percentage of each card payment you accept. The fee varies depending on the card type. You may also accept other card brand and types, which may cost more. You can see the cards you accept in the Card Fees section below.
- A card payment where the card, cardholder and merchant are all in the same place and the transaction is contactless or CHIP & PIN.
- A card payment where the card, cardholder and merchant are not all in the same place and the transaction is authenticated, i.e. by 3D Secure.
- A service for capturing and transferring payment data.
- Charge relating to your compliance with card security and anti-fraud standards.
- The minimum monthly amount you pay for transaction charges.
Is there anything else you'd like to know?
Click below to contact an Elavon payments expert.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0345 850 0195
Telephone: Monday to Friday, 8am to 5pm
Chat: Monday to Friday, 8am to 6pm
Opayo product support: 0191 313 0299
24 hours a day, 365 days a year
Copyright © 2026 | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
Helping thousands of customers around the world grow their business through payments
Customer service and support
We’re here to help!
Customer service: 0345 850 0195
Telephone: Monday to Friday, 8am to 5pm
Chat: Monday to Friday, 8am to 6pm
Opayo product support: 0191 313 0299
24 hours a day, 365 days a year
Copyright © 2026 | U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.
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