Best payment provider for £10,000 in monthly card sales
£10,000/month sits right at the crossover point where paid tiers and package pricing start beating pay-as-you-go rates — and where it becomes worth getting an interchange-plus quote too. Here's what each option actually costs at this volume.
Assuming an average sale of £30 (333 transactions/month) — a common blended figure for retail and hospitality:
| Lopay Standard (0.99%, no monthly fee) | £99.00/month |
| Dojo (package estimate)indicative only | ~£115/month |
| SumUp Payments Plus (0.99% + £19/mo) | £118.00/month |
| myPOS (1.10% + 7p × 333) | £133.31/month |
| Tyl by NatWest (1.39% + 5p × 333 + £16.79 rental) | £172.44/month |
| Zettle / Square (1.75%, no monthly fee) | £175.00/month |
| Paymentsense (1.40% + 5p × 333 + £24 rental + £5.94 PCI) | £186.59/month |
Dojo's figure is a package-based estimate from independent sources, not an official quote. All other figures calculated from each provider's official published rates as of 30 July 2026. See methodology. We may earn a commission when you sign up through a link on this page — see our Affiliate Disclosure.
Should you get an interchange-plus quote instead?
£10,000/month is close to the point industry sources cite as the typical crossover from flat-rate to interchange-plus pricing (roughly £10,000–£15,000/month). Interchange-plus passes through the UK's regulated interchange caps — 0.2% for consumer debit cards and 0.3% for consumer credit cards — plus a scheme fee and a negotiable processor markup, rather than blending everything into one flat %.
Industry sources suggest interchange-plus effective rates can run as low as 0.4%–1% for debit-heavy sales, versus 1.6–1.75% on the flat-rate providers above. At £10,000/month, that's a potential saving of £60–£130/month — but statements are more complex to read, and providers typically require a sales conversation rather than publishing one fixed rate.
Read our full flat-rate vs interchange-plus guideQuick verdict
Among the fixed-rate options compared, Lopay Standard and SumUp Payments Plus are the cheapest, both around £100–£120/month at this volume. But given you're right at the crossover point, it's worth spending 20 minutes getting a quote from an interchange-plus acquirer before committing — the potential saving is real, if your card mix is debit-heavy and steady.
Frequently asked questions
What's cheapest at £10,000/month?
Among the providers compared, Lopay Standard (0.99%) and SumUp Payments Plus (0.99% + £19/mo) are cheapest, at roughly £99-£118/month.
Should I switch to interchange-plus here?
Worth getting a quote — potential effective rates of 0.4-1% could beat flat-rate pricing at this volume, though statements are more complex and setup typically needs a sales conversation.
Want to cut your fees further?
Practical tactics for reducing card processing costs.
Methodology: Figures pulled directly from lopay.com, sumup.com, mypos.com, tylbynatwest.com, zettle.com, squareup.com/gb and paymentsense.com/uk official pricing pages on 30 July 2026. Dojo's figure is estimated from independent comparison sources since its official pricing page could not be accessed during research. UK interchange cap figures (0.2%/0.3%) verified directly from the Payment Systems Regulator (psr.org.uk). See our Editorial Policy.