Agent Fee Check
What would a UK business actually pay for card payments? Send its monthly card takings and card mix; get every provider with published prices ranked by total monthly cost and effective rate, with the working shown.
How agents pay
POST /quotewithout payment returns402 Payment Requiredwith the price: $0.01 in USDC on Base.- The agent signs the payment and sends the request again.
- The answer comes back and the payment settles. A request with bad input gets a 400 and is never charged.
This is the x402 protocol: no account, no API key, no checkout. GET /providers is free.
Example request
POST /quote
{ "monthly_takings_gbp": 5000,
"card_mix": { "debit": 0.7, "credit": 0.25, "premium": 0.05 } }Prices used
| Provider | Plan | Card rate | Monthly fee | Checked |
|---|---|---|---|---|
| SumUp | Pay as you go | 1.69% all cards | £0 | 2026-10-09 |
| SumUp | Payments Plus | 0.99% all cards | £19 | 2026-10-09 |
| Square | Free | 1.75% UK, 3.25% non-UK | £0 | 2026-10-09 |
| Flatpay | Payment terminal | 1.49% all cards | £0 | 2026-10-09 |
| Dojo | Essential | 1.2% all cards | £0 | 2026-10-09 |
| Teya | Start | 1.59% UK consumer cards | £0 (£29.99 under £2,500/mo) | 2026-10-09 |
Card machine cost is the cheapest machine bought outright, spread over 12 months by default. Prices come from each provider's own published UK pricing page; the date links to the source.