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Card surcharges to be banned

From 13 January 2018, it will be illegal for businesses to charge customers an extra fee for paying by credit or debit card, under the EU's Payment Services Directive 2.

Though this could save money for consumers, the costs for businesses may have to be balanced elsewhere.

Some retailers are considering introducing new service charges, increasing shelf prices or refusing to accept credit card payments altogether.

It will also still be legal to require a minimum spend for card payments under the new rules.

The charges that businesses face were capped in 2015, to 0.3% for credit card transactions and 0.2% for debit cards.

However, the cap does not apply to all card providers, and some businesses are still burdened with higher costs.

The government says it will engage with retailers to assess how they can be helped further.

Mike Cherry, chairman of the Federation of Small Businesses, said:

"There's hypocrisy here. HMRC is happy to stop personal credit card payments as they consider them too expensive to process, while small firms are forced to absorb the costs when they accept cards.

"What we should be seeing is businesses and the government working together to bring down the costs to firms of processing card payments."

We can help manage your business costs.

Why Clients Choose Easy Accountancy

Easy Accountancy offers a low cost, fixed fee accountancy package with all clients receiving their own dedicated, friendly, approachable accountant.

All of our accountants specialise in providing accountancy services to the self-employed, freelancers, sole traders, small to medium sized limited companies and private individuals. All accountants are employees of Easy Accountancy and we never outsource or offshore work.

Our low cost, all-inclusive fixed-fee accountancy service includes unlimited access to your own dedicated accountant throughout the year and covers all your business and personal tax affairs needs.

All our accountancy services include:
  - Unlimited access to your accountant
  - Ongoing advice on how to manage your business
  - Proactive tax advice throughout the year
  - Updates and reminders so you'll never miss a deadline
  - Free bookkeeping software

As a sole trader our fees start at just £60 + VAT a month, for this you receive the above plus:
  - Completion of your Self-Assessment tax return
  - Advice on how much Income Tax to pay
  - Guidance on National Insurance contributions

As a limited company our fixed fee packages are bespoke to your needs, however typically you’ll receive the above, plus:
  - Completion of your year end accounts*
  - Completion and submission of your annual return Companies House
  - The director/s Self Assessment tax return
  - Payroll bureau
  - Dividends and corporation tax computations

We’ve saved our clients up to half on their accountancy bills – if you’d like a quote, click on the quote me button to the right of this page. Alternatively, call us on 01442 275767 or email

*If you would like us to complete your company year end accounts we simply ask that you have been a client of Easy Accountancy for one year or have made 12 monthly payments.