This page gives you a step-by-step guide to understanding your gross account statement. Here, you’ll find every detail explained to help you manage your accounts easily. Scroll on or use these quick links to jump to a specific section, or check out our statement FAQs.
Your payment summary in detail:
Your card payments summary is produced at the same time as your statement.
If you’re a multi-currency customer, meaning you’re billed or settled in a currency that isn’t GBP (Great British Pounds), then we convert those values into GBP for you. This is just to make it easy for you to see how they compare and doesn’t mean the currency of your billing or settlement will change.
Here we look at each transaction we’ve processed for you over the last 12 months and work out the % split across the cards you use most.
This is the total amount in transaction, ad-hoc and monthly fees you’ve built up over the last 12 months, including VAT where it applies. If your current deal includes any discounts, these charges are net of the discount. It doesn’t include any chargebacks or miscellaneous credits/debits you’ve received to the statement account so it may not add up to your total ‘bill’ for the last 12 months.
We work this out by adding all of your purchase transactions, for all schemes (those listed in your payment brands accepted) and all currencies, together. It doesn’t include refunds, cardholder funds transfers or original credit transfers.
This applies to your acquiring contract. The contract end date will always be the last day of the month when your statement is produced. Don’t worry, you don’t need to take action to renew or extend your contract – it rolls on each month unless you give us notice. If you opened your Barclaycard Payments account through one of our third-party payment partners, then please contact them directly if you need to discuss your account and services.
Since your card summary is generated at billing point level, the MCC may not reflect all of your outlets if they’re different – but will reflect at least one of them.
This section shows how much purchase transactions made on the most commonly accepted cards will cost you. You’ll pay different rates for other card types.
These two rows display the rate you pay for each type of card you accept payments on, either face-to-face (in person) or online/over the phone. If you only take payments in one particular way, you’ll still see both options here. These show the highest rates you’ll pay when they vary and won’t reflect any discount programmes you may be on.
In most cases, your card reader or online gateway will ask for authorisation from our servers whenever you process a transaction. This is the fee for that electronic authorisation. If you need to process a transaction manually on your card reader, you should follow the authorisation process detailed on page 8 of the Merchant Procedure Guide.
A revival fee is a fee for the reactivation of unused (dormant) accounts. We don’t charge for this so it’ll always show as £0.00.
This is a real life example using the rates in the costs table to show what you’ll pay for a transaction of £10 in each scenario.
If you have different terminals with us, you’re likely to be paying different fees for each. We’ve decided to show you your most expensive one in this section. Prices are noted without VAT. If you lease your terminal through a third party, your charges aren’t listed here.
If you use one of our gateways and pay a monthly fee, this will be shown here, without VAT. If you also pay a pence-per-transaction for using your gateway, it won’t be listed here but will still apply. Your invoice statement will show all other fees that will apply.
This is the fee for your Data Security Manager service or our Proactive Security Service (PSS), if you have them.
The timeframe shown here is the settlement timeframe held at your billing point and applies to GBP transactions. Individual outlets may have different settlement terms. Your settlement time is based on UK banking days and assumes we receive your transactions before our end of day processing. If you’re on ‘deferred’ or ‘rolling reserve’ settlement terms, full details of these timings will have been given to you in writing.
This section lists all the card brands that are accepted on your account. You may also be able to accept American Express (AMEX) cards but since we don’t process them for you, they’re not listed here.
Charges listed in this section of your statement include the monthly cost of card reader rental, minimum billing fees and other regular merchant service fees. The most common are…
This is when we set a minimum transaction charge for each month. If all of your card transaction charges for the month come to less than your minimum billing amount, we’ll charge you the difference.
For example, if your minimum billing amount is £20:
You take £1,000 of card sales, charged at 1.5%
You take £1,500 of card sales charged at 1.5%
Total card transaction charges = £15
Total card transaction charges = £22.50
Your charges come below the £20 threshold, so we take a £5 minimum billing charge to bring the total to £20.
Charges are above £20, so there’ll be no minimum
These may appear on your statement as ‘Terminal Rental’, or you may just see the name/model of card reader you’re renting, for example PDQ Classic, or PDQ Mobile.
These only apply to customers using our online payment gateways. For example, Smartpay I (ePDQ), Smartpay A or Smartpay B.
This is the monthly charge for Data Security Manager - a tool we provide to help you manage your PCI DSS compliance.
The charge for using one of our products to report your PCI compliance. You can find out more about PCI DSS here.
These are the fees we charge for processing sales and refunds. Here they are broken down by type. For example, you could see…
Rate per transaction
VISA Consumer Debit
VISA Consumer Debit Refund Ppt
There are other charges for different types of transactions, for example:
This only applies to customers who use our online payment gateway, ePDQ.
If you take a payment on a type of card our systems don’t recognise, then it will be charged at our agreed default rate. This will appear on your statement as ‘Unapproved transaction’.
These are charges linked to activity on your account, including authorisations, chargeback and retrieval fees, and more.
Non-secure payments are higher risk, so we may charge you an extra percentage of the transaction value. They will appear on your statement as ‘Non-Qual’, or ‘Non-Qualifying’. Types of non-secure payments include:
These might appear on your statement as Retrieval Fee or Chargeback Administration Fee. Chargebacks happen when a payment you receive is later disputed by the cardholder or issuer, and we get asked to explain the transaction (see our chargebacks page for more info). If you need to investigate or dispute a chargeback, please contact us.
This fee will be added to your standard Merchant Service Charge (MSC) rate for all Card Not Present (CNP) sales and refunds.
This fee’s normally charged every time your card machine requests authorisation from our servers.
The charge is added to your standard MSC rate if you take a transaction and the card used is issued outside of the European Economic Area.
Occasionally you might need to use our telephone service to get an authorisation for a card transaction. This can happen if for some reason you can’t authorise it electronically, or if your card reader instructs you to call us. There’s a fee for using this service.
An adjustment of VAT on your account.
There are other charges that may occasionally appear on your statement. If you need an explanation of these, please get in touch.
If you lease your terminal through any other business, then you’ll need to contact them if you wish to close your account as fees may apply. You can talk to us about this or about your statement by calling 0800 161 5343 between Monday to Friday, 9am – 6pm.
We’re here to help. Visit our contact us page to find the best way to get in touch – or complete a call-back form and we’ll ring at a time that suits you.
Barclaycard is a trading name of Barclays Bank PLC and Barclaycard International Payments Limited.
Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Registered in England No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP.
Barclays Bank PLC adheres to The Standards of Lending Practice for Business Customers which are monitored and enforced by The Lending Standards Board. Find out more on The Lending Standards Board’s commitments to business customers.
Barclaycard International Payments Limited, trading as Barclaycard, is regulated by the Central Bank of Ireland. Registered Number: 316541. Registered Office: One Molesworth Street, Dublin 2, Ireland, D02 RF29. Directors: James Kelly, Mary Lambkin Coyle, Steven Lappin (British), Peter Morris and David Rowe.
Call charges: The following is a guide to call charge information from business landlines within the UK. Barclays Bank PLC adheres to The Standards of Lending Board.
