Are There Hidden Transaction Fees with POSable?

by POSable Support Team | January 5, 2026 1:20 pm

No. POSable doesn’t charge any transaction fees and never takes a percentage of your card sales. POSable is the point of sale software, not a payment processor. Your card fees are agreed directly between you and your chosen provider: Dojo, Teya, myPOS or Gravity Payments. The only thing you pay POSable is your monthly or annual subscription, from £20 a month for up to 5 devices.

Important: The provider sets every card rate on this page, not POSable. The figures are indicative examples of what our partners currently advertise. The rate you’re offered will depend on your card turnover (volume), your business type and the mix of cards your customers use. Many providers will negotiate, so always get a personalised quote from the provider before you sign up.

Why this matters for your business

Card fees are often a business’s biggest ongoing payment cost, and they’re easy to underestimate. Some “free till” deals recover their cost through higher card rates for years. An example based on £50,000 a year in card takings:

Card rate	Annual card fees
1.75% (a typical “free till” rate)	£875
0.40% (a low-rate example)	£200

That’s a £675 a year difference, or about £56 a month, before you’ve paid anything for the till.

Because POSable works with several providers and doesn’t add a markup, you can:

• Compare providers and pick the rate that suits your takings and region
• Keep your negotiating power. You deal with the provider directly, so as your turnover grows you can ask for a better rate
• Switch provider later without changing your till software, products or reports
• See exactly what you pay. Card fees appear on your provider’s statement and aren’t hidden in your POS bill

Unlike some POS companies, we don’t offer “better rates” in exchange for a long contract. You make your own arrangement with the provider, and POSable has no contract. You can cancel at any time.

Card payment partners and indicative rates

POSable works with one active card provider at a time, which you set in the dashboard under API Settings → Payments.

Provider	Terminal	Region	Indicative rate*
Dojo	GO MAX	UK and selected EU	from 1.2% or lower
Teya	Teya Pro	UK	from 1.2% or lower
myPOS	GO 2 (Wi‑Fi, USB, 4G)	UK and EU	from 1.1% or lower
Gravity Payments	PAX, Clover, via emergepay	United States	from 2.2% or lower

*Indicative rates are examples published by each partner. They aren’t a quote or an offer from POSable. The rate you get is set by the provider and depends on your volume, card mix and business profile.

Dojo

Dojo takes card payments in the UK and selected EU markets. POSable works with the Dojo GO MAX terminal.

• Indicative rate: from 1.2% or lower
• How your rate is set: Dojo quotes each business individually. Higher card turnover usually means a lower rate.
• Get a quote: contact Dojo directly, or ask us for an introduction when you start your POSable trial

Teya

Teya takes card payments in the UK. POSable works with the Teya Pro terminal.

• Indicative rate: from 1.2% or lower
• How your rate is set: Teya prices each merchant individually, based on turnover and business type
• Get a quote: contact Teya directly, or ask us for an introduction

myPOS

myPOS takes card payments across the UK and EU. POSable works with the myPOS GO 2, which connects over Wi‑Fi, USB or its own 4G data SIM.

• Indicative rate: from 1.1% or lower

myPOS publishes a standard price list. For businesses with under £10,000 a month in card turnover:

Card type	Fee per transaction
Domestic and EEA consumer cards	1.10% + 7p
American Express	2.45% + 7p
All other consumer and commercial cards	2.85% + 7p
Fixed monthly fee	None

This tier suits smaller businesses and new start-ups. myPOS says rates can go as low as 0.99% for higher volumes. Contact myPOS sales for a quote.

Gravity Payments (United States)

Gravity Payments takes card payments in the United States. POSable works with Gravity’s emergepay platform and terminals such as the PAX A920 Pro terminal. Gravity isn’t available for UK or EU businesses.

• Indicative rate: from 2.2% or lower
• How your rate is set: Gravity quotes each merchant individually, based on volume and business profile
• Credit card surcharging: if Gravity has turned on surcharging for your merchant account, you can switch on Gravity credit card surcharge in API Settings. POSable then shows the surcharge notice on the payment screen and prints the surcharge line and disclosure on receipts.
  • Gravity controls whether a surcharge is charged, not POSable. Turning the setting off hides the notice but doesn’t stop the charge.
  • Debit cards are never surcharged.

What affects the rate you’re offered?

Every provider prices differently, but these are the usual factors:

• Monthly or annual card turnover (volume). This is the biggest factor. The more you take, the lower the rate you can usually get.
• Average transaction value. Many small payments can cost more in fixed per-transaction fees.
• Card mix. Debit, credit, premium, commercial, American Express and international cards are often priced differently.
• Business type and trading history
• Terminal costs. Some providers sell terminals outright and others rent them.
• Contract terms and payout speed

Questions to ask any provider before signing:

• Is there a fixed fee per transaction on top of the percentage?
• Are there monthly, minimum-spend or PCI compliance fees?
• What does the terminal cost, and is it bought or rented?
• How quickly are funds paid out, and does faster payout cost extra?
• What are the chargeback and refund fees?
• What’s the contract length and cancellation notice?

Worked example (illustrative only)

A shop taking £5,000 a month on card would pay roughly:

Rate	Monthly fees	Annual fees
1.1%	£55	£660
1.2%	£60	£720
1.75%	£87.50	£1,050

These figures only apply the percentage. They leave out any fixed per-transaction fee, terminal cost or other charges. Your own figures will depend on the rate your provider quotes you.

How to set up card payments in POSable

1. Choose a provider. Get quotes from the partners available in your region. If you start a free trial, we can introduce you to the partner that suits your rates and region.
2. Open your merchant account with the provider and receive your terminal.
3. Enter your provider details in the POSable dashboard under API Settings → Payments. Only one card provider can be active at a time.
4. Connect the terminal to your till. See What hardware do I need for POSable?[1]
5. Take a test payment, then check it appears in your dashboard sales and payment reports.

Your provider’s statement shows the fees deducted. POSable’s reports show your gross takings by payment method, so you can reconcile the two at month end.

Rates are correct at the time of publishing and can vary depending on promotional rates, market changes and factors out of the control of POSable Ltd.

Frequently asked questions

Does POSable charge a fee per card transaction?

No. POSable never adds a fee or takes a percentage of card payments. You only pay your payment provider’s fees and your POSable subscription.

Who sets my card rate?

Your payment provider (Dojo, Teya, myPOS or Gravity Payments) sets your rate. POSable has no control over it.

Why might my quote differ from the rates shown?

The rates shown are indicative. Providers price each business on its card turnover, card mix and business profile, and they may negotiate.

What are the indicative card rates for POSable payment partners?

Indicative partner rates are Dojo from 1.2% or lower (UK and selected EU), Teya from 1.2% or lower (UK), myPOS from 1.1% or lower (UK and EU) and Gravity Payments from 2.2% or lower (United States). Rates are set by each provider and depend on volume.

Can I switch payment provider later?

Yes. You can change the active provider in API Settings without losing your products, sales history or reports. Check your provider’s contract terms before you leave.

Is Gravity Payments available in the UK?

No. Gravity Payments is only for US businesses. UK and EU businesses can choose Dojo, Teya or myPOS.

Related Guides

• What hardware do I need?[2]
• Does POSable work offline?[3]
• Can I export data for my accountant?[4]
• Homepage pricing section and start a free trial[5]

Source URL: https://posable.co.uk/posable-docs/are-there-any-transaction-fees/

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