Sample data. Harbour & Vine Ltd is a group of three restaurants on interchange++ pricing. The business, its acquirer and the statement are invented, and the interchange and scheme fees are illustrative. The owner was quoted 0.30% for the acquirer's charge, and the check compares that with what was charged. Everything else ran exactly as it would on your own statement.

Card fee check

Card fees took 1.12% of Harbour & Vine's card takings

£4,987.66 in charges on £445,700 taken on cards, across 17,290 transactions between 1 Jun 2026 and 30 Jun 2026.

Card takings

£445,700

on this statement

Total charges

£4,988

1.12% all in

Acquirer's charge

0.45%

£2,006 this month

Average sale

£25.78

per transaction

Where the charges go

Set by the card schemes£2,411 · 0.54%Interchange and scheme fees. The acquirer passes these on.

The acquirer's charge£2,006 · 0.45%The acquirer's own margin, and the part you can negotiate.

Other charges£571 · 0.13%Fees charged on their own lines, listed below.

The charges read from the statement add up to its own total of £4,987.66.

What stands out

The acquirer's own charge works out at 0.45% of card takings, against the 0.30% you entered as agreed. On this statement that is £669 more than the agreed rate, or about £8,022 over a year at the same volume.
There is a PCI non-compliance fee of £45.00. Acquirers usually charge it every month until the annual PCI self-assessment is completed. At this level it comes to about £540 a year.
Per-transaction authorisation fees came to £345.80, which adds 0.08% to the rate on an average transaction of £25.78.
Commercial and non-UK cards were 13% of card takings and 29% of transaction fees. Most of that is interchange set by the card schemes, which the acquirer cannot change.

By card type

Card type	Share	Takings	Charges	Rate
Consumer debit	68%	£303,330	£2,366	0.78%
Consumer credit	19%	£85,950	£756	0.88%
Commercial	9%	£38,920	£817	2.10%
Non-UK cards	4%	£17,500	£477	2.73%

Other charges

Authorisation fees

17,290 charged

£345.80

Terminal rental

6 charged

£135.00

PCI DSS non-compliance fee

£45.00

avoidable

Chargeback fees

2 charged

£30.00

Monthly account fee

£15.00

See the sample statement

MERIDIAN MERCHANT SERVICES                                   Merchant statement
Harbour & Vine Ltd    Merchant ID 4410229107                 Period 1 Jun 2026 to 30 Jun 2026
TRANSACTION CHARGES
Card type                     Txns      Value (£)   Interchange (£)  Scheme fees (£)  Service charge (£)    Total (£)
Visa Consumer Debit          9,840     231,450.00         462.90           300.88           1,041.52     1,805.30
Mastercard Consumer Debit    3,120      71,880.00         143.76            93.44             323.46       560.66
Visa Consumer Credit         2,210      58,340.00         175.02            75.84             262.53       513.39
Mastercard Consumer Credit     980      27,610.00          82.83            35.89             124.24       242.96
Commercial Cards               640      38,920.00         583.80            58.38             175.14       817.32
Non-UK Cards EEA               310       9,870.00         133.25            59.22              44.41       236.88
Non-UK Cards Other             190       7,630.00         137.34            68.67              34.34       240.35
Transaction charges total   17,290     445,700.00       1,718.90           692.32           2,005.64     4,416.86
OTHER CHARGES
Authorisation fees          17,290 @ 0.02                                                              345.80
Terminal rental                  6 @ 22.50                                                             135.00
PCI DSS non-compliance fee                                                                              45.00
Chargeback fees                  2 @ 15.00                                                              30.00
Monthly account fee                                                                                     15.00
Other charges total                                                                                    570.80
TOTAL CHARGES FOR PERIOD                                                                             4,987.66
Charges will be collected by direct debit on or after 7 Jul 2026.

What this check leaves out

One statement shows where the money goes. It doesn't say what a business of this size and card mix should pay, or what moving or renegotiating would save. The Payments Cost Review does that across three to six months of statements, and starts with a free first look.

The Payments Cost Review Check your own statement