Surcharge calculator

Surcharge & cash discount calculator

See how much of your card fees a credit card surcharge or cash discount program would recover, and what to check before you start.

Your business

Monthly card sales ($) Monthly processing fees ($) Share of card sales on credit cards: 70%

All debitAll credit

Surcharge or cash-discount rate (%)

Debit and prepaid cards can't be surcharged, so a surcharge only applies to the credit share. A cash discount program applies to all card sales.

Effective rate now0%

Surcharge recovers$0

Cash discount recovers$0

Per month	Surcharge	Cash discount

Estimates only, not legal advice. Before surcharging, check your state's rules (some states ban or limit it), your card brand and processor requirements (registration, disclosure at the door and at checkout, receipt line items), and the cap: a surcharge generally can't exceed your cost of acceptance or 3%, whichever is lower.

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