Financial Tools

Payment Processing Fee Calculator

A card at 2.9% plus 30 cents is really 5.9% on a ten dollar sale and 3.0% on a hundred dollar one. This compares two rate cards on the only figure that compares them, the effective rate at your own ticket size.
Your sales
Average Sale
Sales Per Month
Card A, what you pay now
Rate
Per Transaction
Monthly Account Fee
Card B, the offer on the table
Rate
Per Transaction
Monthly Account Fee

Values shown are examples. Edit them to match your situation.

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Cost Of Taking Payments
Monthly Volume $0
Card A Fees $0
Card A Effective Rate $0
Card B Fees $0
Card B Effective Rate $0
You Keep, Card A $0
Monthly Difference $0
Difference Per Year $0

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Everything here stays in your browser. The link carries your inputs inside the address itself, and the PDF is made by your own device.

For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.

Now build the fee into the price.

Solve for the list price that leaves your target margin after marketplace and card fees.

Price a product

How this is worked out

Every rate card has three parts: a percentage of the sale, a fixed amount per transaction, and often a monthly account fee. The percentage is the part processors advertise and the part that matters least at small ticket sizes.

Total fees are volume times the percentage, plus the transaction count times the fixed fee, plus the monthly fee. Effective rate is total fees divided by volume, and that single number is what makes two offers comparable.

The fixed fee is what decides small ticket businesses. A coffee shop at a six dollar average ticket pays a very different effective rate from a contractor at four thousand, on the identical card.

Questions people ask

Why is my effective rate higher than the rate I was quoted?
Because the quoted percentage excludes the fixed fee per transaction, the monthly account fee, and any surcharge on premium or international cards. The effective rate is everything you actually paid, divided by everything you actually processed.
What is interchange plus?
A pricing model where you pay the card network cost directly plus a fixed markup, instead of one blended rate. It is usually cheaper at volume and always more transparent, because the markup is visible as its own line.
Is a lower percentage always better?
No. At a low average ticket the fixed fee dominates. Ten cents off the fixed fee can beat half a percentage point off the rate, and this page shows which, on your real numbers.
What about chargebacks and refunds?
A refund usually returns the percentage but not the fixed fee, and a chargeback carries its own fee, often 15 to 25 dollars. Neither is in this comparison, so ask for both figures in writing before you switch.
How often should I check this?
Once a year, and any time the average ticket moves materially. Processors reprice quietly, and the rate that suited a business at 30,000 dollars a month is rarely the right one at 300,000.
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How to read these numbers

Estimates, not offers. This tool applies standard formulas to the values you enter. It assumes a fixed rate, equal payments, no missed payments and no fees unless you enter one, and it ignores taxes, insurance and provider specific compounding. A result here is for comparison and is not a quote, a pre-approval or an offer of credit.

Nothing you type is an application. Using this tool causes no credit inquiry of any kind and creates no obligation.

Rates, fees and terms shown elsewhere on this site are read from the provider's own published page and carry the date they were checked. Providers change them without notice and the provider's own disclosure governs. The full method, and how to report a wrong number.

Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.

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