Use this worksheet first
Before posting in a community group, talking to a provider or changing menu prices, collect the facts below. Then run the FeeReady calculator with your own numbers.
Documents to collect
- Last three merchant statements.
- POS, terminal and gateway invoices.
- Current menu, counter, QR-ordering and online-checkout surcharge wording.
- Provider contract term, exit cost and terminal rental details.
- Monthly sales and transaction counts for dine-in, takeaway and online orders.
Numbers to calculate
| Metric | How to calculate it |
|---|---|
| Card-sales percentage | Monthly card sales divided by total monthly sales. |
| Effective payment rate | Total card fees divided by card sales. |
| Current surcharge recovery | Surcharge revenue currently collected from card payments. |
| Average transaction value | Card sales divided by card transactions. |
Email questions for your provider
- What will our merchant service fee be from 1 October 2026?
- Will any interchange reductions be passed through automatically?
- Do QR ordering, online orders and terminal payments have different rates?
- Which POS or checkout settings must change?
- What fixed fees remain even if percentage rates fall?
Team rollout checklist
- Choose whether to absorb costs, adjust prices or offer a preferred-payment discount.
- Update menu, POS, online checkout and receipt wording.
- Brief managers and front-of-house staff.
- Rerun the calculator when the first post-change merchant statement arrives.