Credit Card Processing - Effective Cost Calculator

Pricing in the credit card processing industry is very complex and most merchant statements do not make it any easier to understand. So how do you really understand your true cost of credit/debit card processing, and then use that knowledge to ensure that your company is getting the best value for merchant services?

This calculator is the first step to savings. It is an easy-to-use tool that simplifies all the complex pricing schemes used by processors. Within seconds this tool will calculate your effective cost of card processing, and within 48 hours you will receive a free personalized analysis that compares your effective rate with other merchants of your size and in your industry. How valuable is that?

In addition to this calculator, you can find valuable payments information on our blog, or attend one of our free monthly webinars.

Complete the form below and enter the required information and you will instantaneously see your effective rate calculated. For the field "All Processing Costs & Fees", enter all the fees and charges, regardless of the name, from your processor.

Business Description

*How many months of data would you like to input?
Do you accept American Express cards?*
*Business Type:
*Business Name:
*Contact Name:
*Contact Email:
Business Phone:

Month 1

Visa/MasterCard/Discover Gross Sales: 


Average Ticket: 

Visa/MasterCard/Discover Net Sales: 

All Processing Costs & Fees: 

Visa/MasterCard/Discover Effective Rate: 

American Express Gross Sales: 


Average Ticket: 

American Express Net Sales: 

All Processing Costs & Fees: 

American Express Effective Rate: 

Overall Effective Rate for ALL Cards: 

Overall Average Processing Cost/Sale: