US Merchant Economics ยท Calculators

Flat Rate vs Interchange-Plus Cost Calculator

Compare two pricing scenarios using your own monthly activity, rates, fees, and estimated interchange and card-network costs. UME does not insert an assumed interchange rate.

Your processing activity

Enter the card payments processed in a typical month.

Enter the whole number of card transactions in a typical month.

Flat-rate pricing

Enter 3.3 for 3.3%.

Enter the fee charged for each transaction.

Interchange-plus pricing

Enter the estimated interchange and card-network costs that would pass through under the interchange-plus pricing scenario. Use merchant-statement or quote information when available.

Don't know this amount? Without an estimate of the pass-through interchange and network costs, this calculator cannot make a reliable comparison. UME does not substitute an industry-average interchange rate.

Enter the percentage markup above pass-through costs.

Enter the processor markup charged per transaction.

Add monthly fees