# Agent Fee Check – UK Card Machine Fee Comparison

> Agent Fee Check – UK Card Machine Fee Comparison is a paid API for AI agents from agent-fee-check.agent-fee-check.workers.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-10).

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

## Facts

- Endpoint: POST https://agent-fee-check.agent-fee-check.workers.dev/quote?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-10
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agent-fee-check-uk-card-machine-fee-comparison-77416e09
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_qRiRyw0d-t4EwFNfq_nJh

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability agent-fee-check-uk-card-machine-fee-comparison-77416e09 -d '<json body>'
```

Example prompt: 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?

## When to prefer this

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.

## Known failure modes

- 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- Provider pricing data outdated — assumptions array will note last checked date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

## How this service works

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.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "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
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agent-fee-check-uk-card-machine-fee-comparison-77416e09/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agent-fee-check.agent-fee-check.workers.dev](https://www.zero.xyz/host/agent-fee-check.agent-fee-check.workers.dev/llms.txt)