Small payments stay small
With no fixed fee, a £10 sale costs 8p. Coffee, tips and top-ups keep their margin.
Pricing · United Kingdom
From 0.79% per card payment. Plus 0.89% cashback.
One low percentage on what you take, and nothing else to sign up for. Spend with your Tuppence cards and earn money back.
- No fixed fee
- No monthly fee
- No set-up fee
- Free standard payouts
An example £100.00 payment on a UK consumer debit card: the fee is £0.79 (0.79%, with no fixed fee) and £99.21 is settled to you. Spending £1,000 on your Tuppence cards earns £8.90 cashback (0.89%).
What you never pay
- £0Monthly fee
- £0Set-up fee
- £0Standard payouts
- 0pFixed fee per payment
- £0Failed and declined payments
Have a code? Enter it at sign-up, or redeem it in Settings within 60 days. How codes work
The UK rate card
One low rate. Every UK consumer card.
Visa and Mastercard, debit or credit, online or by QR at the till: 0.79%, with no fixed fee on top. For businesses registered in the United Kingdom.
UK consumer cards
0.79%per payment · no fixed fee
UK-issued Visa and Mastercard consumer debit and credit cards, whether or not you use Tuppence cards.
- Plus 0.89% cashback on what you spend with your Tuppence cards
- The same price through the API, an SDK, a payment link or a subscription
- Free standard payouts, with a £1 minimum
Card by card
The card network tells us each card’s type and country of issue, so you don’t have to.
| Card type | Rate |
|---|---|
| Consumer debitVisa and Mastercard, UK-issued | Headline rate0.79% |
| Consumer creditVisa and Mastercard, UK-issued | Headline rate0.79% |
| American ExpressConsumer cards, UK-issued | 1.69% |
| Commercial and corporateBusiness cards, UK-issued | 2.29% |
| InternationalConsumer cards issued outside the UK | 2.49% |
All rates exclude VAT and apply to the gross transaction amount. Where a card falls into more than one category, only the highest amount over 0.79% applies (a commercial card issued outside the UK is 2.49%). Full rate card.
Included as standard
More of every payment, back in your business.
Cashback on what you spend
0.89% back on eligible purchases with your Tuppence cards, whether your team or your AI agents made them.
One price, every channel
The API, an SDK, a payment link, a subscription or a QR code at the till: the same rate every time.
The extras are free
The till, the booking page, Connect and standard payouts have no fee of their own.
Fee calculator
What would one payment cost?
Enter an amount to see exactly what reaches your account.
How it’s paid
A card paid by QR at the till costs the same as online. Tap to Pay adds 8p per payment.
0.25% + 14p a debit, capped at £3. About Direct Debit
Our fee
£0.79
0.79% of £100.00.
Settled to you£99.21
Before VAT. Fees are worked out on the gross amount and rounded up to the penny.
A £10 sale
8p fee
£9.92 settled to you.
A £100 order
£0.79 fee
£99.21 settled to you.
A £1,000 invoice
£7.90 fee
£992.10 settled to you.
Examples on a UK consumer card, before VAT.
Everything else
The rest of the price list.
Refunds, disputes, Direct Debit, payouts, cards, Connect, bookings and the till.
Payments
- Monthly fee and set-up fee
- None
- Failed and declined payments
- Not charged
- Refunds
- The full amount goes back to your customer. The original processing fee is not returned.
- Disputes
- £15 per dispute, only if it’s resolved against you
- Card by QR at the till
- The same card rates as online
- Bacs Direct Debit
- 0.25% + 14p a debit, capped at £3; subscription renewals +0.3%, within the same cap. By application.
Tuppence Connect
- Connect itself
- No fee of its own: nothing per connected account or transfer. Each connected account pays the rates here on its payments, unless your platform pays for it. Your fee on its payments is yours.
- Cashback on your businesses’ cards
- You earn 0.89% on their Tuppence card spend and choose how much to pass on to each.
Payouts
- Standard payouts
- Free, with a £1 minimum. Funds can be paid out three days after a payment (T+3), or seven days (T+7) until a new account’s first £1,000 of card payments have cleared. New accounts start with payout limits and a rolling reserve, which ease as you build a clean trading history (see our terms).
- Next-day payouts
- Optional, +0.2% per payment, from two weeks after your first payment. Switch it on in your dashboard and each new payment can be paid out the next day (T+1). Cards issued outside the UK keep T+3 at no extra cost. Switch it off any time.
- Instant payouts
- 0.99% of the amount, taken from the payout. Pays out your pending balance straight away. Available once your account has a trading history with us.
Tuppence cards
- Physical Tuppence cards
- Free to order
- Purchases on Tuppence cards in another currency
- The card network’s own conversion charge, passed through
Bookings and messages to your clients
- Booking page, widget and calendar
- Free: no monthly fee, no fee per booking and no commission on new clients
- Deposits, balances, tips and no-show fees
- The card rates above: a booking’s payments are ordinary card payments
- Emails
- Free
- Texts (SMS)
- 6p per segment (160 characters, or 70 once a message has an emoji or a curly quote)
- WhatsApp messages
- 3p per message
Each message’s cost is in your dashboard, and the month’s total on your statement. Texts and WhatsApp are not switched on yet, so clients hear from you by email.
Online store
- The store, its hosting and your own domain
- No monthly fee, no platform fee and no apps to buy
- Card payments in your store
- The card rates above, unchanged
- Shipping labels
- At cost, from your balance, with no margin
Point of sale
- The till
- No fee: no monthly fee and nothing per sale
- Cash, and payments recorded as “Other”
- No fee
- Cards paid by QR at the till
- The card rates above. The customer pays on their own phone, as an ordinary card payment
- Tap to Pay and card readers
- Not yet. When available: the card rate plus 8p per payment.
All rates exclude VAT, added where applicable. We may change rates on 30 days’ notice; changes required by a card network or regulator can take effect sooner. See our terms.
Bacs Direct Debit
0.25% + 14p a debit, capped at £3.
Take payments straight from your customers’ UK bank accounts. Apply in a minute; most businesses hear back within a working day.
What a debit costs
- A £50 debit
- 27p
- A £1,000 debit
- £2.64
- A £10,000 debit
- £3: the cap
- Subscription renewals by debit
- +0.3%, within the same cap
- Failed debits
- Not charged
- Indemnity claims
- £15 each, as for a lost dispute. A customer can reclaim a debit from their bank at any time, and a claim can’t be contested.
How it works
- By application
- Apply from your dashboard. A person reviews every application and sets limits to suit your business.
- When the money arrives
- In your balance three working days after the debit. A customer’s first debit adds about two days.
- Where it works
- Your pay page, payment links, invoices and subscriptions. Not booking deposits, the till or credit top-ups, as the money takes days to arrive.
- The paperwork
- We collect each customer’s mandate and send the scheme’s emails.
Cheaper than GoCardless and Mollie on every debit.
| Bacs Direct Debit | Tuppence | GoCardless Standard | Mollie |
|---|---|---|---|
| Price per debit | 0.25% + 14p, capped at £3 | 1% + 20p, capped at £4; +0.3% on the part over £2,000 | 0.9% + 20p |
| A £10 debit | 17p | 30p | 29p |
| A £50 debit | 27p | 70p | 65p |
| A £100 debit | 39p | £1.20 | £1.10 |
| A £1,000 debit | £2.64 | £4.00 | £9.20 |
| A £5,000 debit | £3.00 | £13.00 | £45.20 |
Prices as published by each provider on 8 October 2026: GoCardless Standard: gocardless.com/pricing; its +0.3% applies to the part of a debit over £2,000, on top of its cap (their pricing FAQ); Mollie: mollie.com/gb/pricing. Excludes VAT where applicable. Tuppence prices are for UK businesses approved for Direct Debit. A subscription renewal by debit adds +0.3% to our price, within the same £3 cap, and is still lower at every amount.
Payouts
Settlement is what funds our rates.
We hold funds briefly before they can be paid out. It’s longer than some providers, and it’s what lets us charge a lower rate.
Payouts start once we’ve reviewed your account. New accounts start with limits on payments and payouts, and a rolling reserve, which ease as you build a clean trading history. Your limits and any holds are in your dashboard and the app. See our terms.
- While your account is new: T+7. Funds can be paid out seven days after a payment, until your first £1,000 of card payments have cleared.
- After that: T+3. You move to three days automatically.
- Next-day payouts: +0.2% per payment. From two weeks after your first payment, switch on T+1 for new payments. Switch it off any time.
- Standard payouts are free, with a £1 minimum.
- Instant payout pays out your pending balance straight away for 0.99% of the amount, taken from the payout. Available once your account has a trading history with us.
Cashback
Cards that pay you back.
You pay from 0.79% whether or not you use Tuppence cards. Use them, and every eligible purchase by your team or your AI agents earns 0.89% back.
- Earned on settled purchases with your Tuppence cards
- Credited to your Tuppence balance monthly, in arrears
- Refunded, reversed and disputed purchases don’t earn cashback, and any already credited on them is reclaimed
- Cash withdrawals, transfers and account funding don’t earn cashback
- We may change or withdraw the cashback rate on notice
A worked example
A month on Tuppence cards
| Eligible purchases on your card | £1,000.00 |
|---|---|
| Cashback (0.89%) | £8.90 |
| Credited | Next month, to your balance |
Tuppence cards are available to UK businesses. Physical cards are free to order. About card issuing.
Questions
Pricing, answered.
Do I need Tuppence cards to get 0.79%?
No. 0.79% is the rate for UK consumer debit and credit cards for every UK business. The card adds 0.89% cashback on your spend.
Is there really no fixed fee?
In the UK, yes. You pay a percentage of each payment and nothing per transaction on top. There’s no monthly or set-up fee.
Which cards cost more?
American Express is 1.69%, commercial and corporate cards are 2.29%, and cards issued outside the UK are 2.49%. The card network’s data at authorisation sets a card’s type and country.
Where a card is in more than one of these, only the highest amount over 0.79% applies; see the rate card.
What happens to fees when I refund?
Your customer gets the full amount back. The original processing fee is not returned to you.
Can I get a custom rate?
Talk to us. These are our list prices, and we sometimes agree different ones with a business. If we do, your dashboard shows every price you pay and until when. Contact us.
When do I get my money?
While your account is new, funds can be paid out seven days after a payment (T+7), until your first £1,000 of card payments have cleared. After that it’s three days (T+3). From two weeks after your first payment, you can switch on next-day payouts (T+1) for +0.2% per payment, and switch them off any time. Standard payouts are free, with a £1 minimum. Payouts start once we’ve reviewed your account. New accounts start with payout limits and a rolling reserve, which ease as you build a clean trading history. With that history, instant payout pays out your pending balance straight away for 0.99%, taken from the payout.
What does Connect cost my platform?
Nothing of its own. Each business on your platform pays the card rate on its payments, and the fee you take on top is yours. If you pay our card rate for your businesses, it comes out of your Connect balance. There’s no charge per connected account or transfer.
What does the till cost?
Nothing. Tuppence POS has no monthly fee and nothing per sale. Cash, and payments you record as “Other” (another card machine, or a bank transfer), carry no fee. A card paid by QR at the till is an ordinary card payment at the card rates above. Card readers and Tap to Pay aren’t built yet. When they are, a card paid with them costs the card rate plus 8p per payment.
What if my business is registered outside the UK?
Your rate depends on the country your business is registered in. See US pricing or the rate card. Businesses registered elsewhere can join the waitlist.
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