What are credit card fees really costing you?
Enter your monthly card sales to see the yearly total, then see how dual pricing keeps most of that off your books.
Estimate your card processing cost
What you run through cards in a typical month.
Total fees divided by total card sales on your statement. Not sure? Leave the default and adjust it once you check a recent statement.
Estimated card-processing cost
$435
per month
$5,220
per year
That is roughly what cards cost you now. With dual pricing, most of it moves to the card price instead of your margin.
See how dual pricing worksThis is an estimate based on the numbers you enter, not a quote. Your actual rate varies by card mix and statement, and dual pricing does not cover debit or monthly account fees. Send us a recent statement for an exact comparison.
Frequently asked
- How much do credit card processing fees typically cost a small business?
- It depends entirely on your card mix, average ticket size, and processor markup, so there's no single honest number to quote. Enter your own monthly card sales and effective rate above to see your own estimate.
- What is my effective rate?
- Your effective rate is your total processing fees for a month divided by your total card sales for that month. It is the one number that cuts through statement line items like interchange, assessments, and markup.
- Is this calculator exact?
- No, it is an estimate based on the two numbers you enter. Your actual cost depends on your real card mix and statement, which is why the tool routes to a free statement review for an exact number.
- Does dual pricing eliminate my card processing cost?
- No. Dual pricing moves most of the credit card processing cost to the card price so it comes off your books instead of your margin, but it does not cover debit transactions or monthly account fees.
Want the exact number, not an estimate?
Send us a recent processing statement and we will show you exactly what you would pay, and tell you honestly if switching is not worth it.