Paymentsense

UK card machine provider with a published 1.40% Visa/MC rate and next-working-day settlement.

In-person rate: 1.40% + 5p
Online rate: 1.40%-2.49% + 50p
Monthly fee: ~£50+/mo
Contract: Contact provider

Best for

Small and medium businesses wanting a published in-person rate with next-day payouts.

Pricing breakdown

All prices in GBPLast verified 19 June 2026

Every fee we track, grouped by where it applies.

In-person payments

In-person terminal and tap-to-pay transactions.

Transaction rate: 1.40% + 5p
Visa/MC debit + credit in-person. Business cards: 1.99%.
Monthly fee: ~£50+/mo
Approximate floor: ~£20+VAT terminal rental + £24.95 MMSC + £4.95+VAT PCI + 5p/tx. Exact contract value varies.
Setup fee: Contact provider
Setup fee not confirmed on paymentsense.com/uk. UNVERIFIED.

Online payments

Online checkout and keyed-in card transactions.

Transaction rate: 1.40%-2.49% + 50p
Online rates vary by card type: 1.40%-2.49% + 50p per paymentsense.com/uk/pricing. Using lowest (1.40%+50p) as conservative base.
Monthly fee: ~£50+/mo
Approximate floor: ~£20+VAT terminal rental + £24.95 MMSC + £4.95+VAT PCI + 5p/tx. Exact contract value varies.
Setup fee: Contact provider
Setup fee not confirmed on paymentsense.com/uk. UNVERIFIED.

Other fees

Chargeback fee: £28
Confirmed on paymentsense.com/uk/pricing.
AMEX rate: Contact provider
Amex accepted but rate not published on paymentsense.com/uk/pricing. UNVERIFIED.
International card surcharge: Contact provider
International surcharge not published. UNVERIFIED.
Early termination fee: Contact provider
High cancellation fees noted in reviews. Exact amount not published. UNVERIFIED.
Instant payout fee: Contact provider
Instant payout option not confirmed. UNVERIFIED.
Refund fee: 50p
Confirmed on paymentsense.com/uk/pricing.
PCI compliance fee: £4.95+VAT/mo (separate)
PCI non-compliance fee: £35+VAT/mo. Confirmed on paymentsense.com/uk/pricing.

Contract terms

Contract length: Contact provider
Contract length not published on paymentsense.com/uk (historically up to 18 months). UNVERIFIED.
Recurring billing: Contact provider
Recurring billing support not confirmed on paymentsense.com/uk. UNVERIFIED.

Accepted payment methods

Cards, wallets, and other methods supported by Paymentsense for UK merchants.

Cards

Visa
Mastercard
AMEX
maestro
discover
Diners Club

Digital wallets

Apple Pay
Google Pay
Samsung Pay

Other

international-cards

Strengths and trade-offs

Pros

Published 1.40% transaction rate for Visa/MC
Next-working-day settlement
Wide hardware selection via Ingenico

Cons

Minimum monthly service charge of ~£25 applies
Terminal rental and PCI fee add to total monthly cost
Contract length not published; historically up to 18 months

About Paymentsense

Paymentsense is a UK-based merchant services provider offering card machines to small and medium businesses. It publishes a 1.40% in-person rate for Visa and Mastercard debit and credit, plus a 5p per-transaction fee and a minimum monthly service charge. Settlement arrives the next working day.

Paymentsense was founded in 2009 and is headquartered in London, UK.

How Paymentsense compares

Side-by-side with the closest alternatives by estimated cost.

Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.

Compare all providers

	Paymentsense £316/mo est.	Zettle £296/mo est.	SumUp £290/mo est.	Square £269/mo est.
In-person rate	1.40% + 5p	1.75%	1.69%	1.75%
Online rate	1.40%-2.49% + 50p	2.5%	2.5%	1.4% + 25p
Monthly fee	~£50+/mo	£0/mo	£0/mo	£0/mo (Free plan)
Terminal cost	—	—	—	—
Contract length	Contact provider	No contract	No contract	No contract
Settlement time	—	—	—	—
Est. monthly cost	£316/mo	£296/mo	£290/mo	£269/mo
	Visit Paymentsense	View details	View details	View details