01
Check your rate
Calculate total processing fees as a percentage of total card payments.
Independent information for US merchants
Free calculator · No login · No account or card detailsUnderstand what your business really pays to accept cards.
A clear, free way to calculate your effective card-processing rate and understand common statement fee terms. We are independent—not a bank, not a payment processor—and we explain the numbers without pressuring you to switch.
- Calculate your all-in effective rate and decode common statement charges
- No account statements or credit-card data required
- You decide whether to request help or consider any provider
LIVE CALCULATOR
What's your effective processing rate?
Use total card volume and all processing-related fees from the same month.
Your effective processing rate
3.30%
Fees for every $10k processed$330
Monthly processing fees$990
An effective rate alone cannot tell you if you're overpaying.
Independent means you stay in control.
We do not process payments, represent a bank, or collect cardholder information. Our calculator is free. We may earn referral fees only if you later request and approve an introduction to a named provider.
STRAIGHTFORWARD PROCESS
Three steps to better clarity
We help you interpret the numbers before you decide whether changing anything is worthwhile.
02
Understand the drivers
Look beyond the advertised percentage to markup, per-transaction and recurring charges.
03
Ask a question
Email a general fee question if you want help understanding your numbers. Individual responses depend on availability.
MADE FOR INDEPENDENT BUSINESSES
The price on a quote isn't always the total cost.
Transaction mix, card-not-present payments, business cards, average ticket size, chargebacks, optional equipment and monthly account charges can all affect processing expenses.
A single percentage doesn't tell the entire story. Review the fees in context and consider the features your business needs.
How to read your statement →Explore the guides
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Decode common merchant statement fees →
Calculations are informational only. A true comparison needs like-for-like quotes and a review of relevant fees and services.
Frequently asked questions
Does a high effective rate automatically mean I'm overpaying?
No. Costs vary with card mix, average ticket size, industry, risk profile, payment channel and pricing arrangement. The rate is a useful starting point, not a conclusion.
Do I have to upload a processing statement?
No. Enter only your total card sales and total monthly fees. If you choose a personal review, a representative can explain which additional information—if any—is useful and how to share it securely.
Will switching processors save money?
Not necessarily. Savings depend on the merchant's needs, existing agreement, the actual offer and all relevant costs. There is no guaranteed saving.
ASK A QUESTION BY EMAIL
Have a question about your processing fees?
Send us a question using your email app. We are an independent information service—not a bank or payment processor. We may be able to explain common fee types and how to compare rates. Please do not send merchant statements, cardholder information, account numbers, or attachments.
Email my fee question →Email only: our website does not collect review requests through a form. Emails you choose to send are received in our Gmail inbox. We do not pass your details to third parties for sales without asking permission for a specific, named recipient.
You can also read our privacy information.