{"uid":"cap_qRiRyw0d-t4EwFNfq_nJh","slug":"agent-fee-check-uk-card-machine-fee-comparison-77416e09","name":"Agent Fee Check – UK Card Machine Fee Comparison","description":"UK card machine fee comparison. Give a business's monthly card takings and card mix; get SumUp, Square, Flatpay, Dojo and Teya ranked by total monthly cost and effective rate, with the working and source links. Use when advising a UK small business which card payment provider is cheapest.","url":"https://agent-fee-check.agent-fee-check.workers.dev/quote?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"card_mix":{"type":"object","properties":{"debit":{"type":"number","maximum":1,"minimum":0},"credit":{"type":"number","maximum":1,"minimum":0},"premium":{"type":"number","maximum":1,"minimum":0},"international":{"type":"number","maximum":1,"minimum":0}},"description":"Share of takings by card type, adding up to 1. Default: all UK debit.","additionalProperties":false},"terminals":{"type":"integer","maximum":100,"minimum":1},"horizon_months":{"type":"integer","maximum":60,"minimum":1},"monthly_takings_gbp":{"type":"number","minimum":1,"description":"Card takings per month in GBP"},"average_transaction_gbp":{"type":"number","minimum":0.01}}},"responseSchema":{"type":"json","example":{"ranked":[{"plan":"Payments Plus","checked":"2026-10-09","plan_id":"sumup-plus","sources":["https://www.sumup.com/en-gb/pricing/"],"contract":"none, cancel any time","hardware":{"name":"Solo Lite","ex_vat":true,"upfront_gbp":25},"provider":"SumUp","breakdown":{"card_rate_pct":0.99,"monthly_fee_gbp":19,"card_rate_fees_gbp":49.5,"hardware_per_month_gbp":2.08,"per_transaction_fees_gbp":0},"monthly_total_gbp":70.58,"effective_rate_pct":1.412},{"plan":"Essential","checked":"2026-10-09","plan_id":"dojo-essential","sources":["https://dojo.tech/pricing/"],"contract":null,"hardware":{"name":"Dojo Go Max","ex_vat":null,"upfront_gbp":149},"provider":"Dojo","breakdown":{"card_rate_pct":1.2,"monthly_fee_gbp":0,"card_rate_fees_gbp":60,"hardware_per_month_gbp":12.42,"per_transaction_fees_gbp":0},"monthly_total_gbp":72.42,"effective_rate_pct":1.448}],"summary":"Cheapest: SumUp Payments Plus at £70.58 a month (1.412% of takings). Dearest: Square Free at £89.08 (1.782%). That's £18.50 a month apart, £222.00 over 12 months.","excluded":[{"plan":"Start","reason":"Doesn't publish a rate for premium cards, which are in this card mix.","provider":"Teya"}],"assumptions":["Card machine cost spread over 12 months (horizon_months not given)."],"prices_checked":"2026-10-09"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_HU0Rfp07ll-yRbn5_jDX2","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Compares UK card payment providers (SumUp, Square, Flatpay, Dojo, Teya) by total monthly cost and effective rate based on a business's monthly card takings and card mix","exampleAgentPrompt":"My café takes about £8,000 a month by card — roughly 70% UK debit and 30% credit — can you compare SumUp, Square, Flatpay, Dojo, and Teya and tell me which is cheapest overall, with the exact monthly cost and effective rate for each?","exampleUseCases":[{"title":"New café choosing first card reader","prompt":"I'm opening a coffee shop and expect to take around £5,000 a month by card, mostly UK debit — maybe 80% debit, 20% credit. Can you rank SumUp, Square, Flatpay, Dojo, and Teya by cheapest monthly cost and show me the effective rate for each?"},{"title":"Retailer reviewing card fees at renewal","prompt":"My clothes shop takes £25,000 a month in card payments — about half UK debit, 30% UK credit, and 20% international credit. I'm up for renewal and want to see whether Dojo, Teya, or one of the others would be cheaper, with full working so I can see how you got the numbers."},{"title":"Market trader comparing portable terminals","prompt":"I run a market stall and take roughly £3,500 a month on card with an average transaction of about £18 — almost all UK debit. I need one terminal. Which of SumUp, Square, Flatpay, Dojo, or Teya will cost me the least per month?"}],"resultDescription":"Returns a ranked array of UK card payment providers ordered by total monthly cost, each with their calculated monthly fee, effective rate, and the working behind the numbers. Also includes a plain-English summary, any excluded providers with reasons, assumptions made (e.g. default to all-UK-debit if no card mix supplied), and a timestamp indicating when prices were last checked.","failureModes":["Missing required field monthly_takings_gbp — returns validation error","Card mix shares do not sum to 1.0 — may return error or normalise automatically","Negative or zero monthly takings — likely validation error","Provider pricing data outdated — assumptions array will note last checked date","Non-UK card mix scenarios may fall outside modelled fee tiers"],"whenToPreferThis":"Use this endpoint when advising any UK small business which card payment provider is cheapest for their specific volume and card mix. It covers SumUp, Square, Flatpay, Dojo, and Teya in a single call with ranked output and source-linked working, saving the need to manually check five separate pricing pages. Prefer it over generic fee calculators when you need a side-by-side UK-specific comparison with an effective rate and full methodology.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-10T12:30:13.068Z","isFirstParty":false,"canonicalSlug":"agent-fee-check-uk-card-machine-fee-comparison-77416e09"}