Skip to main content

Instantly Compare Credit Card Processing Costs

See Real Costs in Dollars and Cents

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.

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.

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.

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.

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

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

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

$

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.

  • Sales tax details (amount, indicator)
  • Customer code or PO number
  • Invoice or order number
  • Merchant tax ID
  • Merchant postal/zip code
1 Enter your sales2 We crunch the numbers3 See ranked results

Results in Seconds

No waiting for sales calls or email quotes. Your results appear instantly.

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

Host Merchant ServicesCDG CommerceHelcimPaymentCloudeMerchantBrokerQuickBooks PaymentsWells FargoBank of America

Share This Calculator With Other Business Owners

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.

Stay informed

Staying ahead of costs is more important than ever. Get our weekly profit maximizing updates.