Credit card processing savings calculator
Enter your monthly card volume, current fees and transaction count to estimate how much you could save each month and year with typical interchange-plus pricing or a cash discount program. Results are estimates, not quotes.
Your numbers
Estimated savings
Current cost: $1,200/mo (3.00% effective rate)
With interchange-plus pricing
$110 – $300 /month
$1,320 – $3,600 per year (estimated)
With a cash discount program
$960 – $1,140 /month
$11,520 – $13,680 per year (estimated)
Estimates only. Interchange-plus figures assume a typical all-in cost of 2.00%–2.35% plus 10¢–15¢ per transaction. Cash discount figures assume 80%–95% of current fees are offset. Actual savings depend on your business and the offers you receive.
How is this savings estimate calculated?
We compare what you pay now with what a typical interchange-plus account would cost for the same volume and transaction count, and show the difference as a range. For a cash discount program, we estimate the share of your current fees that card-paying customers' posted prices typically offset.
Not sure what you're paying? Use the effective rate calculator, or read what a good effective rate is.
Frequently asked questions
How accurate is this savings calculator?
It's an estimate based on typical interchange-plus costs and typical cash discount results. Your actual savings depend on your card mix, industry and the offers you receive.
What if I don't know my current fees?
Look at your latest processing statement for 'total fees' or 'total charges'. Or enter your effective rate if you know it.
Why is the interchange-plus saving zero?
If your current costs are already near typical interchange-plus levels, you may not save much by switching pricing models. A cash discount program might still help.
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