We’re adding new processor comparisons all the time, so feel free to check back if your provider isn’t listed yet.
One of the biggest challenges with card processing is hidden fees. Many companies advertise low rates upfront but tuck extra charges away on the second or third page of your bill. At the end of the day, what really matters is your total monthly invoice—that’s the true cost of card processing. Our tool helps you clearly see your effective percentage rate, so you know exactly what you’re paying.
As a Viva integrated solution provider we have negotiated special rates which also provide the unique enhanced cashback features of Viva. Here’s how it works:
What we do want to emphasise is that POSimple is not a card processing company—we are a solution provider, and this tool is just a small part of what we can do to help you save money for your business. Many companies concentrate on flashy “deals,” but often those deals come with complex billing structures that leave you paying more for an inferior system that doesn’t optimise your business. Our goal is to give you clarity, transparency, and solutions that truly benefit your bottom line.
Finally it had to be done, we provide a Viva vs POSimple comparison, so you can see exactly how POSimple’s pricing however slight can work to your advantage.
👉 If you found this comparison useful and would like to explore how POSimple could benefit your business, we’d love to hear from you. Visit us at POSimple.net to start the conversation.
| Turnover Tier | Rate % | Notes |
|---|---|---|
| First £4,000 | 1.40% | Initial threshold |
| Over £4,000 | 1.00% | Discounted rate |
| Turnover | Provider | Rent | Txn Fee | Debit % | Credit % | Business % |
|---|---|---|---|---|---|---|
| £200k | Barclaycard | £15 | 0.02 | 0.45% | 0.85% | 1.15% |
| £200k | Worldpay | £17.50 | 0.025 | 0.40% | 0.78% | 2.10% |
| £200k | Elavon | £22.50 | 0.00 | 0.99% | 0.99% | 1.99% |
| £200k | Revolut | £5.00 | 0.00 | 1.50% | 1.50% | 1.50% |
| £500k | Barclaycard | £15 | 0.02 | 0.40% | 0.80% | 1.05% |
| £1.2M | Barclaycard | £15 | 0.02 | 0.28% | 0.70% | 1.00% |
| £2.5M | Barclaycard | £15 | 0.02 | 0.27% | 0.55% | 0.95% |
| Provider | Rate % | Txn Fee | Other |
|---|---|---|---|
| Square | 1.75% | 0.00 | Flat rate |
| PayPal/iZettle | 1.75% | 0.00 | Same as Square |
| SumUp (Free) | 1.69% | 0.00 | Free plan |
| SumUp (Paid) | 0.99% | £19/mo | Paid service |
| Viva (Direct) | 1.69% | 0.00 | No cashback |
| POSimple (via Viva) | 1.20%–0.95% | £10/mo + 0.80 per transfer | Includes cashback |
| Teya Start | 1.69% | 0.00 | No monthly fee |
| Teya Boost | 0.99% | £19 + VAT | Includes 0.5% cashback |
| Teya Thrive | 0.59% | £49 + VAT | Includes 0.5% cashback |
| MyPOS | 1.10% | £0.07 + VAT | Card machine £30 + VAT |