Work out the processing fee on a sale or a month of card sales, the amount that lands in your bank account, and your effective rate.
Use this calculator to turn a processor's rate card into dollars. It answers: if I process this amount, how much do I pay and how much do I actually receive?
How to fill it in. Enter your card sales for the period you want to check: one sale (with 1 transaction) or a month of card sales (with the number of transactions that month). Enter the percentage the processor quotes and the per-transaction fee, in dollars (10 cents = 0.10). If you are checking a whole month, add the fixed monthly fees in the last field: statement or account fees, PCI programme fees, gateway fees, terminal rental. For a single sale, set fixed monthly fees to 0.
Formula. Processing fee = sales × percentage + per-transaction fee × number of transactions. Net deposit = sales − processing fee − monthly fixed fees. Your effective rate = (processing fee + fixed fees) ÷ sales.
Worked example (illustrative rates). A shop processes $12,000 of credit card sales in a month over 400 transactions, an average ticket of $30. Its quote is 1.9% + $0.15 per transaction, plus $25 a month in fixed fees. Percentage part: $12,000 × 1.9% = $228. Per-transaction part: 400 × $0.15 = $60. Processing fee: $288. Net deposit: $12,000 − $288 − $25 = $11,687. Effective rate: $313 ÷ $12,000 = 2.61%, well above the 1.9% headline.
Interchange-plus quotes. Enter the interchange estimate plus the markup as one percentage, or run the tool twice (once for interchange, once for markup) and add the results. Read interchange, network fees and markup.
Limits. The tool uses one blended rate. Real statements apply different rates to debit, standard credit, premium credit and online payments, and some fees are charged per batch, per chargeback or per year. Interac debit is usually a flat fee per transaction: enter 0% and the flat fee. All rates shown on this site are illustrative; use the figures from your own quote or statement and follow how to calculate your effective rate.
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