Merchant Account Cost Comparison Calculator

Are You Overpaying for Credit Card Processing? Find Out.

This calculator can help you understand if you could be overpaying for your merchant account. The calculations are based on the average Interchange fees and average processor markups. When you enter your total fees, please include the total in fees including monthly fees and processing fees. This total should be included in your statement as one line item; however, some statements may require that you sum the total by hand.

Please note that the result is an estimation only and does reflect all business types. This calculator will be most accurate for traditional businesses such as retail, restaurant, and professional services. It will over estimate savings for “high-risk” industries and those that primarily operate in B2B sales.

What the Results Mean

Result: You are Overpaying

This result indicates a high likelihood that you are overpaying for processing services. The higher the number, the more likely that it is an accurate estimation.

What You Can Do

If you have a traditional business with a low risk of chargebacks or fraud, we recommend contacting the Helcim and CDG Commerce to obtain quotes. Both offer extremely low pricing and industry leading technology and support

If you have a “high-risk” business, we recommend contacting PaymentCloud, Host Merchant Services, and eMerchantBroker to obtain quotes. All offer competitive high-risk pricing and take top ratings for service and support.

Result: You are not Overpaying

Congratulations! This means that you are very likely paying less than even the most competitive credit card processors in the industry. Job well done!

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About CPO

We are committed to ensuring the accountability of credit card processors by bringing transparency to their business practices. Our primary objective is to safeguard North American businesses from unscrupulous processors that impose substantial rate markups, unjustifiable fees, and exploitative contracts that result in annual losses of billions of dollars for small business owners.

We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others.