What are you really paying?
Enter three numbers from your last statement. We’ll show your effective rate, cost per transaction and annual processing cost — instantly, privately, in your browser.
Three numbers. Total clarity.
Math only: effective rate = fees ÷ volume. Annual = monthly fees × 12. Cash in transit ≈ (volume ÷ 30) × (payout days − 1). This is not a quote.
What your number tells you.
Compare apples to apples
Effective rate is the fairest way to compare two processors, whatever their pricing model.
Watch the trend
If your effective rate creeps up month over month with no change in sales, ask why.
Time is money too
Days in transit affect cash flow as much as rates do. Daily payouts are available for qualified merchants.
Calculator FAQ
Your effective rate is your total processing fees for a period divided by your total card volume for the same period. It folds every fee — percentage, per-transaction and monthly — into one comparable number.
Your monthly processing statement lists total volume, number of transactions and total fees. Our guide to reading a processing statement shows where to look.
No. It only does the math on numbers you enter, in your browser. Nothing is saved or sent unless you choose to send your numbers to our team.
It’s an estimate of how much of your revenue is waiting between the sale and your bank on any given day, based on how long your payouts take.
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Numbers in hand? Let’s talk.
Send your statement and a specialist will walk you through it — clearly, without pressure.