Fee Calculators See what card processing really costs you
Free calculators and guides for business owners, CFOs and credit managers. Each one shows what you pay now, and what the same sales would cost on interchange plus 5 basis points.
From Robert Day and the weAudit team, just under 30 years in credit card processing, including more than a decade as an executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments.
The calculators and guides
Credit card processing fee calculator
Enter one month of card sales and total fees to find your effective rate, and see how much you may be overpaying each year.
Stripe fee calculator
What Stripe charges at 2.9% plus 30 cents on your volume and average sale, and what the same sales cost on interchange plus 5 basis points.
Square fee calculator
Square’s rates by plan, in person, online and keyed, plus the volume each paid plan needs before its lower rate pays for itself.
PayPal fee calculator
PayPal’s fee on any payment, what you keep, what to charge to receive an exact amount, and what PayPal costs a business over a year.
Stripe vs Square
Both flat-rate providers side by side on $20, $100 and $500 sales, and why the cheaper of the two is still not cheap.
Interchange plus pricing
What interchange plus is, what a fair markup looks like, how it compares with flat-rate and tiered pricing, and how it gets padded.
Why every calculator compares against interchange plus 5 basis points
Interchange and card network fees are the same whichever processor you use. The only part that changes is the processor’s markup. An account priced honestly passes interchange and network fees through at cost and adds about 5 basis points, which is 0.05%. That is the benchmark every calculator here measures you against.
- A low rate is not a low cost. Processors can quote a low rate and win the money back through marked-up network fees and fees no card network charges.
- The industry is non-regulated. Two businesses on the same processor can pay completely different amounts.
- The price can change after you sign. Merchant agreements let processors change their fees, so the only way to know is to check the statement.
We explain how a quoted rate can hide the real cost in How can I have the lowest discount rate and the worst deal? Already know your markup in basis points? Our savings estimator shows what our clients typically recover.
Want the real number instead of an estimate?
Send us a recent processing statement and we will show you where the money is going. No cost, no obligation.
Or call 800-672-1292
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