BUSINESS OPERATIONS
Merchant processing fee calculator
Calculate your current effective processing rate and compare a complete proposed fee scenario.
Your scenario
All amounts are in US dollars. Start with the example, then enter your numbers. Results update as you type.
Calculation inputs stay in this page’s memory and are not submitted as a lead. Requesting contact is a separate step.
ILLUSTRATIVE EXAMPLE
See what the numbers say.
- Current effective processing rate
- 3.2%
- Illustrative proposed monthly cost
- $1,350.00
- Illustrative monthly difference
- $250.00
- Illustrative annual difference
- $3,000.00
- Switching-cost recovery in months
- 0
Estimates, not quotes, approvals, appraisals or guaranteed returns.
How this calculator works
Effective rate = current fees / processed volume × 100%. Proposed cost = volume × all-in percentage + transaction count × transaction fee + monthly charges.
Assumptions to check
- Use all-in fees, including pass-through costs. A processor markup by itself is not a complete proposed rate.
- This is a comparison scenario, not a provider quote or savings promise. Card mix, chargebacks, equipment, minimums and exit costs can change the result.