Free tool

Credit Card Processing Fee Calculator

Enter your monthly volume and rates to see what you pay each month, your effective rate, and how two pricing options compare.

Monthly card volume ($) Average sale ($)

Option A e.g. your current rate Rate (%) Per sale ($) Monthly fees ($)

Monthly cost–

Effective rate–

Option B e.g. a quote you're comparing Rate (%) Per sale ($) Monthly fees ($)

Monthly cost–

Effective rate–

–

Example values shown. Estimates only: real costs vary by card type, how cards are accepted, and other fees on your statement.

How to use it

Find your numbers on your statement

Your monthly processing statement shows your total card volume, number of transactions and the fees you were charged. Divide total fees by total volume and you have your effective rate, the single best number for comparing processors.

Effective rate

Total fees divided by total card volume. It captures percentage fees, per-transaction fees and monthly fees in one figure.

Per-transaction fees add up

If your average sale is small, the fixed fee per transaction can matter more than the percentage rate.

Compare like with like

Include monthly and gateway fees in both options, or a low headline rate can hide a higher total cost.

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