Processing savings calculator
Find your effective rate from your latest statement and see how much a lower rate could save your business.
Your effective rate
The one number that matters
Your effective rate is your total processing fees divided by your total card sales. It captures every fee, from per-transaction charges to monthly and "regulatory" fees, so you can compare any two offers fairly.
How to read your statement →Rule of thumb
Is my rate high?
Typical flat-rate pricing works out to roughly 2.6% to 3.5%, depending on how you take payments. Larger businesses on interchange-plus often pay less. High-risk businesses usually pay more. If your rate is well above these ranges, it's worth getting quotes.
Get free quotes →Free quotes · No obligation
Get matched with the right processor
Two quick steps. We'll share your request with processing partners that fit your industry and volume, including high-risk specialists.
✓ Free for businesses
✓ High-risk industries welcome
✓ Compare offers before you commit
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