Payments, priced smarter.
One rate, in-store and online.
Tap a terminal, pay at checkout or click a payment link — your card rate doesn't change. No hidden markups. No mix calculations you can't check.
Card present or not present. Same rate.
Choose card-type pricing or one flat rate. Either way, in-store terminals, online checkout and Pay by Link are charged at the same percentage.
Card Type Pricing
Best for mostly personal UK cardsOne Flat Rate
Predictable, simple pricingNo card-category tracking. No monthly mix calculations. Available where business and international cards are under 20% of your volume. Above that, we quote from your past statements — most businesses with that mix pay around 1%.
Your turnover. Your card mix. Your real cost.
Tell us a normal month and pick who to compare against. We price it card by card, with every per-transaction fee, at each provider's published UK rates.
See where the difference comes from
Flat 0.64% all-inStandard published UK rates, checked September 2026. PayPal: Zettle in-store, Advanced Card Payments (blended) online. Stripe: Terminal and standard online. Square: in-person and online. SumUp: pay-as-you-go. Mollie: Tap PAYG and online. Shopify: Shopify Payments on the plan selected (Basic by default); if you sell on Shopify through TWPayz, Shopify’s third-party transaction fee (Basic 2%, Grow 1%, Advanced 0.6%, Plus 0.2%) is added to TWPayz and every other non-Shopify provider; Shopify Payments is shown without it. Flatpay: terminal (1.49% below £200k a year, 0.99% above), in-store only. Airwallex: online only. International means cards issued outside the UK (outside UK/EEA where the provider splits them). * SumUp online rate is indicative. TWPayz is 0.64% all-in, authorisation included, where business and international cards are under 20% of volume; above that we quote from your statements (typically around 1%). Subscriptions, hardware, currency conversion and chargebacks are excluded for every provider.
High-value payments without card economics
Direct account-to-account payments via Open Banking across 76 UK banks. No chargebacks. No disputes. Funds confirmed instantly.
A £10,000 invoice costs £6 by Pay by Bank — £173 less than a business credit card at 1.79%.
Accounts for every size of business
Every account includes a UK sort code and account number, Faster Payments in and out, and 12 currencies under one login.
Bespoke allowances and pricing for high volumes and multiple entities.
Prices exclude VAT. Faster Payment allowances reset monthly.