See How Much Your Processor Is Really Charging You

Break down every fee your processor charges, from interchange to markup

Your processor's statement doesn't make it easy to see how much they're earning from your business. This simulator separates the base rates set by card networks and the markups added by your processor, so you can see exactly where your money goes.

Expose Hidden Markups

See exactly how much your processor adds on top of interchange fees set by card networks.

Negotiate With Confidence

Use real numbers to negotiate lower rates or switch to a more competitive processor.

100% Anonymous

No personal or business information is collected, stored, sold, or shared.

1 Enter your sales2 We break down the fees3 See your true costs

For the most accurate results, use the numbers from your most recent merchant account statement.

Are You Overpaying to Process Cards?

Answer a few quick questions about your business and we'll show you exactly what your credit card processing fees should cost, and how much you could save.

Just a few quick questions. Takes under two minutes

Get a personalized fee breakdown by card brand

See how your rates compare to industry benchmarks

100% anonymous. No personal info collected

For the most accurate results, have your most recent merchant statement handy.

What Industry Are You In?

Every industry has different interchange rates set by the card networks. Selecting yours lets us use the exact rate benchmarks for your type of business.

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 is the starting point for calculating your interchange costs and identifying potential savings.

Enter The Total Fees Paid

This is the total amount your processor charged you for the month. Include all line items: processing fees, monthly fees, PCI fees, and any other charges on your statement.

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

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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.

Are You Overpaying to Process Cards?

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