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PaySuite · Surcharge ROI Calculator
Live Calculator
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Stop paying fees.
Start saving today.

Calculate exactly how much your business could save by passing corporate and commercial card processing fees to cardholders — legally and transparently.

Calculate My Savings ↓
Annual Processing Cost (Eligible Spend)
£0.00
blended rate on eligible spend
You Could Save Annually
£0.00
at 80% adoption
Visa Business
£0.00
saving: £0.00
Visa Commercial
£0.00
saving: £0.00
Mastercard Commercial
£0.00
saving: £0.00
Eligible Amount
£0.00
0% of total
Blended Rate
0.00%
weighted avg across card types
Avg Eligible Txn
£0.00
per commercial card txn
Projected Savings
£0.00
over selected period

Configure Your Calculation

Enter your transaction data to see real-time ROI projections

🏢Merchant Details & Period
💳Transaction Data & Surcharge Rates
£
Commercial Card % 60%
1%100%

Percentage of total transactions that are corporate / commercial cards eligible for surcharging.

Eligible Amount (Commercial Cards Only) £0.00
Surcharge Rates by Card Type
2.00%
1.50%3.50%
% of eligible %
2.50%
1.50%3.50%
% of eligible %
2.00%
1.50%3.50%
% of eligible %
Card type mix total
100%
📈Projection Settings
Annual Growth Rate5.0%
0%30%
Cardholder Adoption Rate80%
30%100%

Your ROI Results

Showing results for your configured period

Total Projected Savings
£0.00
over 12 months
£0.00
Monthly average saving
£0.00
Annual cost on eligible spend
Monthly Saving Projection
Processing Cost
Visa Business Saving
Visa Commercial Saving
Mastercard Commercial Saving

Rate Sensitivity — Per Card Type

Annual saving contribution from each card type at current rates and mix

Card TypeRateMix %Eligible Amount Annual SavingContribution

Executive Summary

Your personalised ROI report

📊

Calculation Summary

💡 Recommendation

Enter your transaction data above to generate a personalised recommendation.

📄 Generate Professional PDF Report

Create a fully branded, multi-page PDF report ready to share with stakeholders. Includes executive summary, per-card-type breakdown, projection tables, sensitivity analysis and personalised recommendation.

⏳ Generating report…
⚠️ Disclaimer: This calculator provides indicative projections only. Actual savings will vary based on transaction mix, card scheme rules, customer behaviour, and regulatory requirements. Surcharging regulations vary by jurisdiction. Maximum surcharges may not exceed the merchant's actual cost of acceptance.

How Surcharging Works

Access PaySuite automates the entire process end-to-end

1
Identify Card Type
PaySuite detects whether the card is Visa Business, Visa Commercial, or Mastercard Commercial in real time at point of sale.
2
Apply Correct Rate
The correct surcharge rate for that specific card type is applied automatically from your configured rate schedule.
3
Notify Cardholder
The surcharge is transparently disclosed before payment, ensuring full regulatory compliance with all card schemes.
4
Recover & Reconcile
Fees are collected and automatically reconciled per card type — no manual processing or complex accounting required.