How to use this tool
- Enter monthly card sales, average ticket, manually keyed share, and chargeback count.
- Open optional processor settings and replace example fee schedules with actual quotes.
- Compare the ranked total-cost table, effective fee rates, and potential savings.
How the result works
The estimate models percentage fees on in-person and keyed volumes, fixed transaction charges, monthly subscriptions, and the entered chargeback fee per event. It assumes the same sales and chargeback profile for each processor.
This is a quote-comparison aid, not a recommendation of any named provider. Check minimum charges, contracts, hardware, refunds, taxes, PCI fees, and chargeback liability directly with each provider.
Frequently asked questions
Why does the cheapest percentage rate not always win?Fixed transaction fees and monthly subscriptions can outweigh a lower percentage rate, especially with many small transactions.
How is transaction count estimated?Monthly card sales are divided by the average card ticket. Real counts vary with ticket size and rounding.
What are keyed-entry fees?Some processors charge a different rate for manually entered card details. Enter the actual quote for your business.
Are chargeback losses included?Only the per-chargeback fee you enter is included, not the disputed payment amount or staff time.
Can I trust example fee defaults as current quotes?No. Defaults are illustrative sample values. Replace them with verified processor offers before deciding.