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We’re all about card payments for merchants
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A full retail solution, in one machine
Make day-to-day business simple.
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We care. Sustainability is important to us!
For every new merchant, we plant a tree in their honour.
As a sign of our partnership, we plant a tree alongside.
LEARN MORE

Calc 2

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Monthly Card Turnover

Average Transaction Value

Current Monthly Charges inc. Terminal

Section 1 (Expenses)

PCI

Static

Terminal

Static

Section 2 (Savings)

Minimum Saving (10%)

Current monthly charges inc terminal - 10% calc

Saving Target (25%)

Current monthly charges inc terminal - 25% calc

Section 3 (Card Split)

Debit Card 68%

68/100 * Monthly card turnover

Credit Card 20%

20/100 * Monthly card turnover

V Debit Corp 7%

7/100 * Monthly card turnover

Corporate Card 5%

5/100 * Monthly card turnover

Auth Fee

Monthly card turnover / Avg transaction value

Gross Total

Adding card splits (minus Auth fee)

Section 4 (Min Rates)

Debit Card (68%)

Debit Card Turnover

Value from Debit Card (Section 3)

Debit Card Min Rate

Static Value

Debit Card Min Charge

Debit card min rate * Debit card turnover / 100

Credit Card (20%)

Credit Card Turnover

Value from Credit Card (Section 3)

Credit Card Min Rate

Static Value

Credit Card Min Charge

Debit card min rate * Debit card turnover / 100

V Debit Corp (7%)

V Debit Corp Turnover

Value from V Debit Corp (Section 3)

V Debit Corp Min Rate

Static Value

V Debit Corp Min Charge

V Debit Corp min rate * V Debit Corp turnover / 100

Corporate Card (5%)

Corporate Card Turnover

Value from Corporate Card (Section 3)

Corporate Card Min Rate

Static Value

Corporate Card Min Charge

Corporate Card min rate * Corporate Card turnover / 100

Auth Fee (1 pence per transaction)

Auth Fee Min Rate

Static Value

Auth Fee Min Charge

Auth Fee min rate * Auth Fee (from Section 3)

Totals

Min Rates Total

Min charge total / Gross Total (section 3)

Min Charge Total

Adding all minimum charges from section 4

Min Charge Total (Less PCI & Terminal)

Adding all minimum charges from section 4 minus PCI & Terminal from section 1

Section 5 (Target Rates)

Target Charge Total

Value from Minimum Saving 25% (Section 2)

Target Charge Total (Less PCI & Terminal)

Value from Minimum Saving 25% - PCI - Terminal (Section 2)

Debit Card Targets

Debit Card Target Rate

Debit card target charge / Debit card 68% (Section 3) * 100

Debit Card Target Charge

Debit card percentage / 100 * Target Charge Total (Less PCI & Terminal) Section 5

Debit Card Percentage

Debit card min charge / Min charge total (Less PCI & Terminal) Section 4

Credit Card Targets

Credit Card Target Rate

Credit card target charge / Credit card 20% (Section 3) * 100

Credit Card Target Charge

Credit card percentage / 100 * Target Charge Total (Less PCI & Terminal) Section 5

Credit Card Percentage

Credit card min charge / Min charge total (Less PCI & Terminal) Section 4

V Debit Corp Targets

V Debit Corp Target Rate

V Debit Corp target charge / V Debit Corp 7% (Section 3) * 100

V Debit Corp Target Charge

V Debit Corp percentage / 100 * Target Charge Total (Less PCI & Terminal) Section 5

V Debit Corp Percentage

V Debit Corp min charge / Min charge total (Less PCI & Terminal) Section 4

Corporate Card Targets

Corporate Card Target Rate

Corporate Card target charge / Corporate Card 5% (Section 3) * 100

Corporate Card Target Charge

Corporate Card percentage / 100 * Target Charge Total (Less PCI & Terminal) Section 5

Corporate Card Percentage

Corporate Card min charge / Min charge total (Less PCI & Terminal) Section 4

Auth Fee Targets

Auth Fee Target Rate

Auth Fee target charge / Corporate Card 5% (Section 3) * 100

Auth Fee Target Charge

Auth Fee percentage / 100 * Target Charge Total (Less PCI & Terminal) Section 5

Auth Fee Percentage

Auth Fee min charge / Min charge total (Less PCI & Terminal) Section 4

Gross Total

Gross Total Min Charge

Value from Min Charge Total (Section 4)

Gross Total Target Rate

Gross Total Target Charge / Gross Total (Section 3) *100

Gross Total Target Charge

Value from Saving Target (25%) (Section 2)

Gross Total Less PCI & Terminal

Gross Total Less PCI & Terminal Min Charge

Gross Total Min Charge - PCI (Section 1) - Terminal (Section 1)

Gross Total Less PCI & Terminal Target Charge

Gross Total Target Charge - PCI (Section 1) - Terminal (Section 1)

Section 6 - Higher Of Saving

Higher of saving

Summary MAIN

Current Monthly Charges inc. Terminal

Value of Current Monthly Charges inc. Terminal (Input at top of form)

Paynetworx Monthly Charges inc. Terminal

Value of Higher of saving (Section 6)

Monthly Saving

Current Monthly Charges inc. Terminal - Paynetworx Monthly Charges inc. Terminal (this section)

Annual Saving

Monthly saving * 12

Saving % Hidden

Monthly saving / Current Monthly Charges inc. Terminal * 100

The proof is in our happy customers

Here's what they are saying...

First class service. Paynetworx has been great. David has been great. Whenever I need help, he's here to help me. I'm happy with the deal I got. The service is really great. I have the full EPOS system including integration with card machines. It's all easy to use. David even helps me make changes if I need them - he's very patient.

- Kasha Bar, Epping

Brilliant experience with Paynetworx. We've not had any problems, they money goes in when its meant to. The receipts are perfect, don't have any problems with anything. Paynetworx calls me every couple of months to make sure everything is alright, to see if i need anything, so the whole experience has been really good.

- Luxe Barbers, Harlow

Very easy overall process, Ann visited me a couple of times - the second time she came she helped me with the paperwork which I found very helpful. It was very simple and easy. The application process was very straightforward, I'm happy with the rates and charges. If there's anyone who wants a card machine, I'd definitely tell them go for Paynetworx.

- Eclectic Arts Studio, Clacton on Sea

I would highly recommend Paynetworx Virtual-Terminal and Pay-by-link system. It's any easy to use and navigate platform, and the service from the personal account manager (Anthony Wright) is excellent.

- W H Lung Supermarket, Liverpool

Integrating the payment gateway onto my WordPress website was very simple. I can view all my transactions in real time. Exceptional customer service, they’re at the end of the phone if I need them. I also get curtesy calls from the Head Office regularly. Would recommend.

- Harklin Creations, Essex

Hassan visited me and I was taken by the service and aftercare he promised. Everything has been black and white, everything he has promised he has done. Everything is so far, so good. I would recommend them 100%, I’m really happy with the new machines. I’d give you five stars.

- Goodfellas Eating House, Chipping Ongar

Payment on your terms. Bespoke to your business

Paynetworx, based in Essex, is helping SME’s across the UK take payment easily in-store, on the go or online. Simple & secure payments, on your terms.

We provide support and guidance to getting you set-up with your card payments.

Card Terminals

For your face-to-face card payments, we provide an extensive range of counter-top, portable & mobile terminals to best suit your business environment.

Learn More

Ecommerce

Take payments on your website or by sending a secure link to your customer.

Learn More

Virtual Terminals

Accepting payments virtually – all you need is a smartphone, tablet or laptop, and an internet connection.
Use Pay-by-link by sending a secure link to your customer.

Learn More

We’re a business that actually cares

We may not be the biggest but we certainly have the biggest heart!

Nowadays accepting card payments is a necessity to most businesses, whether online or in store. We make it as easy as it should be to take card payments for any business. Our solutions are simple, reliable & affordable.

We’re Transparent

With Paynetworx, there’s no hidden fees, no hidden terms & conditions or any roadblocks along the way. The price we quote you, is the price you will pay. There’s a lot of jargon in the card payment industry but ask us anything and we’ll be open & honest with you.

Sustainability is important to us!

In recognition of you joining Paynetworx, we'll plant a tree in your honour. As a sign of our partnership, we'll plant an additional tree.

We've partnered with One Tree Planted to include reforestation as an integral part of our business model.

Trees clean our air and water, create habitats for biodiversity, contribute to our health and wellbeing, and create jobs for social impact.

In the first 3 months of 2022 Paynetworx has planted over 100 trees in England.

Need help with your terminal?

Check out our Resources page. From important industry news updates to terminal support, we’re here to make card payments easy to understand.

Choose your terminal

Discover more

industry news small business tips glossary

Merchant services you can trust

We’re all about card payments for merchants

A full retail solution, in one machine

Make day-to-day business simple.

We care. Sustainability is important to us!

For every new merchant, we plant a tree in their honour. As a sign of our partnership, we plant a tree alongside.

Switch & Save Today

Section 1 (Expenses)

Section 2 (Savings)

Section 3 (Card Split)

Section 4 (Min Rates)

Debit Card (68%)

Credit Card (20%)

V Debit Corp (7%)

Corporate Card (5%)

Auth Fee (1 pence per transaction)

Totals

Section 5 (Target Rates)

Debit Card Targets

Credit Card Targets

V Debit Corp Targets

Corporate Card Targets

Auth Fee Targets

Gross Total

Gross Total Less PCI & Terminal

Section 6 - Higher Of Saving

Summary MAIN

The proof is in our happy customers

Payment on your terms. Bespoke to your business

Card Terminals

Ecommerce

Virtual Terminals

We’re a business that actually cares

We’re Transparent

Sustainability is important to us!

Need help with your terminal?

Choose your terminal

Discover more

To join Paynetworx, enquire today

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resources

terminals support

For every new merchant, we plant a tree in their honour.
As a sign of our partnership, we plant a tree alongside.