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Find Lower Processing Fees

Answer a few quick questions and we'll calculate monthly fees for each processor ranked from cheapest to most expensive. Calculations display all rates, fees, and final bottom line cost.

Select your industry to get started

Do You Accept Credit Cards In-Person?

In-person transactions include tap, dip, or swipe at a physical terminal. These carry the lowest interchange rates because the card is verified on the spot.

YesNo

Do You Manually Key-In Credit Card Information?

Keyed-in transactions happen when you type a customer's card number into a terminal or virtual terminal. These are classified as card-not-present and carry the same higher interchange rates as online transactions.

YesNo

Do Your Customers Pay You Online?

Online transactions include e-commerce payments, invoices paid via a payment link, or virtual terminal charges. Like keyed-in sales, these are card-not-present transactions with higher interchange rates.

YesNo

Estimate Your Sales Mix

Slide to estimate how your sales volume splits between your payment channels.

Card-Not-Present: 30% | Card-Present: 70%

How Much Are You Processing Each Month?

Enter your total monthly credit and debit card sales volume. This determines volume-based pricing tiers for processors like Helcim and Wells Fargo.

How Many Transactions?

Enter the total number of card transactions for the month. Processors charge a flat per-transaction fee on every sale, so this directly affects your total cost.

Do you transmit the following data to your processor when you submit the transaction for processing?

Sales tax details (amount, indicator)
Customer code or PO number
Invoice or order number
Merchant tax ID
Merchant postal/zip code

YesNo

1 Enter your sales2 We crunch the numbers3 See ranked results

Results in Seconds

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100% Anonymous

No name, email, or phone number required. Nothing is collected or shared.

All Fees Included

Interchange, markups, per-transaction fees, and monthly costs. Nothing hidden.

Instant comparison from these, and more, processors

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This simulator is for educational purposes only and provides estimations for final processing costs based on publicly available information. CardPaymentOptions.com is not affiliated with any processors mentioned in these calculations.

Find Lower Processing Fees

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