Card payments
for food trucks.
A lunch rush is ninety minutes long and then it’s over. Anything that adds three seconds to a transaction costs you the back of the queue, and small baskets mean fixed fees bite hard.
- Card takings a month
- £11,000
- Average sale
- £11
- Payments a month
- 1,000
- Card fees (1.4% + 10p)
- £254.00
- Plan fee
- £19.00
- Total a month
- £273.00
An effective rate of 2.48% all in. The card rate is the same on every plan. Starter for one truck. Pro when you want staff PINs and tables on the till. Illustrative — put your own numbers in below.
Three things food trucks keep telling us.
Speed is revenue
Contactless, no signature, no receipt printer. The next order starts while the last card is still coming out of the wallet.
No power, no problem
Tap to Pay runs off the phone. One less thing competing for the inverter with the fridge and the fryer.
Events are lumpy
A festival weekend can outsell a normal fortnight. Daily payouts mean the float for next weekend isn't stuck until month end.
A till that works in a field
Cheeky Till keeps taking orders and cash when the signal drops and catches up when you’re back on 4G. Card payments still need signal, because the bank has to say yes. Not live yet; register interest.
Start from a real basket, not a round number.
Set up for food trucks: £11,000 a month at a £11 average sale, all taken face to face. Drag any of it.
All at the counter or on a phone
All UK and EEA cards
An effective rate of 2.48% on £11,000 across roughly 1,000 payments.
- Percentage fees (Stripe's rate)
- £154.00
- Fixed fees per payment
- £100.00
- Plan fee
- £19.00
- Total cost
- £273.00
The card fees above are the same on every plan. Changing plan changes only the plan fee: Starter £0 · Pro £19 · Scale £79.
What food trucks ask
What card payment fees will a food truck pay?
A food truck taking around £11,000 a month at an average order of £11 makes roughly 1,000 card payments. At Stripe's published rate of 1.4% + 10p, which is what every Cheekypayments plan charges, that is about £154.00 in percentage fees and £100.00 in fixed fees — around £254.00 a month, an effective rate of 2.31%. Starter adds nothing to that. Pro adds £19 for the till's hospitality features and phone support; it does not change the card fee.
How much does it cost a food truck to take card payments?
Every Cheekypayments plan charges Stripe's published rate of 1.4% + 10p per in-person payment on UK and EEA cards. For a typical food truck taking £11,000 a month across roughly 1,000 sales at an average of £11, that is about £254.00 in card fees. On the Pro plan (£19 a month) the total is about £273.00 — an effective rate of 2.48%.
Can food trucks take card payments without a card machine?
Yes. Tap to Pay on iPhone and Android turns a phone you already own into a contactless card reader, accepting Visa, Mastercard, Apple Pay and Google Pay with no extra hardware. It is included on every Cheekypayments plan, including the free one. A card reader is available for £29 as a one-off purchase if you would rather have a separate machine, or a traditional countertop machine on your own Verofy account.
How quickly does a food truck get the money?
Payouts run daily once your account is verified. How quickly a given sale lands depends on your account's schedule. It is the same on every plan. Money taken on a card is settled to your own bank account rather than held in a separate balance you have to withdraw from.
Trading by this afternoon.
No long contract. Cancel whenever you like. Start on the free plan and move up when you want the software, not to chase a better rate.
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