Credit card processing fee calculator
Most merchants don't know their effective rate. Plug in your volume, ticket size, and card mix to see what you're paying — and what you could save by switching processors.
Effective rate 2.98%. A market-rate processor for your mix would run about 3.08% ($2,312/mo).
What this means
Your effective rate = total fees ÷ total volume. Anything above 3.0% in a card-present-heavy business is high; over 3.5% in card-not-present-heavy is high. Restaurants typically run 2.4–2.9% with the right processor.
The savings range assumes you switch to an interchange-plus or true flat-rate processor with transparent pricing. Avoid tiered or "qualified/non-qualified" pricing — that's where most overcharging happens.
What each input does
We split your monthly volume across in-person, online, and keyed-in transactions and apply blended rates that reflect interchange-plus pricing for each. Add your statement fee and we compute your true effective rate.