Credit Card Processing Fee Calculator
Plug in your monthly card volume, average ticket, and rate. See what you're paying today and what a compliant dual pricing program could put back in your pocket. Nothing you type here is saved or sent anywhere. It's just math, in your browser.
This is an estimate built from the numbers above, not a quote. Your real savings depend on your card mix, your debit share, and your actual statement. A free rate analysis reads that kind of detail line by line.
Get your real number, freeHow this calculator works
The math is simple on purpose. "Estimated fees today" is your monthly card volume multiplied by your effective rate, the all-in percentage a statement usually calls the discount rate or the effective rate. 2.9% is a common starting point for a mixed card mix, but yours may run higher or lower depending on card type, industry, and how the account is priced.
"Estimated fees on dual pricing" assumes most of that cost shifts to a small, disclosed fee the cardholder pays at checkout, the way dual pricing works when it's set up to follow the network rules. Dual pricing covers every card type, including debit, since it posts two prices rather than adding a fee at the register. We model a small residual rather than zero as a conservative buffer, since not every transaction converts through the program right away and some edge cases stay outside it. That's an estimate, not a guarantee: the real number depends on your exact card mix, which is what a free rate analysis reads from your actual statement.
Average transaction size only changes the transaction-count estimate shown under "Estimated fees today." It doesn't change the dollar totals, since those are driven by volume and rate. It's there to help you sanity-check the numbers against your own day-to-day.
What the number doesn't capture
A calculator can't see your interchange category, your debit mix, or whether some of your card volume is already exempt from a surcharge. Those details move the real number up or down from the estimate above. That's why we read an actual recent statement, line by line, before recommending a program: see how to read your merchant statement if you want to check the categories yourself first.
If the estimate above looks worth chasing, the next step is a free rate analysis: send one recent statement, get a plain-English answer with your real number, no obligation.
Fair questions
How accurate is this calculator?
It's a directional estimate, not a quote. It uses your monthly volume and effective rate to show what you're likely paying today, and models a small residual fee under dual pricing as a conservative buffer, since not every transaction runs through the program and not every business converts its full volume at once. Your real number depends on your exact card mix, which is what a free rate analysis reads from an actual statement.
What's my effective rate, and where do I find it?
It's the total fees a statement charges divided by your total card volume, expressed as a percent. Most statements show it directly, sometimes labeled 'effective rate' or 'discount rate.' See how to read your merchant statement if it's not obvious on yours.
Does this calculator save or send my numbers anywhere?
No. Everything runs in your browser. Nothing you type is stored, submitted, or tracked. Close the tab and it's gone.
What's the difference between dual pricing and a surcharge?
Dual pricing posts a cash price and a card price before the sale, and covers all card types including debit. A surcharge keeps one posted price and adds a disclosed fee on credit sales only, and can never touch debit. Both are legal in Washington, NWPB's market. Surcharge rules vary by state, so check Washington's surcharge rules or your own state's before you set one up.
Can I really get my processing fees to near zero?
For most of your card volume, yes, under a compliant dual pricing program, since the fee shifts to a disclosed charge the cardholder pays across cash and card, including debit. This calculator still models a small residual as a conservative buffer, since not every business converts every transaction through the program on day one. That's an estimate, not a guarantee.
What happens after I request a free rate analysis?
Send one recent processing statement. We read it line by line and tell you your real current cost and your real savings under a compliant program, in plain English, usually within 24 hours. No obligation, no pressure.
Send one statement. Plain-English answer in 24 hours.