US Merchant Economics · Calculators
Processing Savings Calculator
Compare estimated processing costs at your current effective rate and a hypothetical target rate you choose, assuming the same monthly card sales.
Enter the amount of card payments you typically process in one month.
Enter monthly card sales greater than $0.
Enter your current all-in processing cost as a percentage of card sales. Enter 3.3 for 3.30%. Don’t know your current effective rate? Calculate it from a statement first.
Enter a current processing rate of 0% or more.
Enter a hypothetical rate you want to compare with your current effective rate. This is a comparison scenario, not a guaranteed processor quote.
Enter a target processing rate of 0% or more.
Estimated processing cost difference
How this estimate works
This calculator applies your current and target effective processing rates to the same monthly card-processing volume and compares the estimated cost.
The target rate is a comparison scenario, not a guaranteed rate or processor quote. Actual processing costs can differ because of card mix, transaction type, sales channel, ticket size, pricing structure, fixed fees, and other charges.
Assumption: This estimate assumes your monthly card-processing volume stays the same.