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UK Card Machine Fee Comparator
x402
UK Card Machine Fee Comparator is a paid API for AI agents from uk-data.agent-fee-check.workers.dev, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-12).
Ranks UK card machine providers by total monthly cost for a given transaction profile, returning itemised breakdowns and a plain-English summary
Price / call$0.005
Success—
StatusUnknown
How this service works
UK public data for AI agents, one origin, pay per call: a one-call postcode report, street crime, live flood warnings, property sales and the House Price Index, food hygiene ratings, MP lookup, NHS GPs, pharmacies and dentists, Companies House checks and search, UK working days and bank holidays, and the cheapest card machine provider. Official sources, attribution in every answer, free preview in every 402, failed requests never charged.
Output
A JSON object with a ranked array of card machine plans sorted by monthly total cost, each with provider name, plan name, hardware details, itemised cost breakdown (card rate fees, monthly fee, hardware amortised), effective rate percentage, contract terms, and source URLs. Also includes a plain-English summary sentence, a list of excluded providers with reasons, any assumptions applied, and the date prices were checked.
Example use cases
Cheapest terminal for a market trader
“I run a weekend market stall taking around £2,500 a month on cards, almost all UK debit, average sale £8, just one terminal. Which card machine plan costs the least over 6 months?”
Multi-terminal restaurant cost check
“We've got 3 card terminals in our restaurant, taking about £25,000 a month — roughly 60% debit, 30% credit, 10% premium cards, average spend £35. Rank the UK card machine providers by total monthly cost over 24 months.”
Premium card heavy e-commerce pickup point
“My shop takes £15,000 a month and we see a lot of international and premium cards — say 40% debit, 30% credit, 20% premium, 10% international — one terminal, average transaction £60. Which UK card machine provider gives me the best deal over 12 months?”
Technical details
Endpoint
POSThttps://uk-data.agent-fee-check.workers.dev/card-fees?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a structured, ranked cost comparison of UK card machine providers based on a specific business transaction profile. It is ideal when the user knows their monthly card takings, card mix, and terminal count and wants an objective, up-to-date ranking with itemised breakdowns rather than a generic guide. Prefer it over web-search-based approaches because it queries official pricing sources, amortises hardware costs correctly, excludes providers that cannot service the given card mix, and returns machine-readable data with attribution.
Side effects
- monthly_takings_gbp missing or below £1 — validation error returned
- card_mix shares do not sum to 1.0 — rejected with explanation
- terminals out of range 1–100 — validation error
- horizon_months out of range 1–60 — validation error
- average_transaction_gbp below £0.01 — validation error
- A provider publishes no rate for a card type in the mix — that provider appears in the excluded array rather than ranked
- Upstream pricing page changed — stale data possible, prices_checked date allows freshness assessment
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| card_mix | object | Share of takings by card type (debit, credit, premium, international), adding up to 1. Default: all UK debit. |
| terminals | integer | |
| horizon_months | integer | |
| monthly_takings_gbp | number | Card takings per month in GBP |
| average_transaction_gbp | number |
Output
Schema · Response
{
"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"
}
}Tags
x402
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