What is an effective rate?
Your total processing fees for the month divided by your total card sales. Example: $750 in fees on $25,000 in sales is a 3% effective rate.
Don't know your rate? Divide total fees by total card sales on your statement, or send us your statement.
Estimated monthly savings: $0
Estimated yearly savings: $0
What you pay in processing today: about $0/month at 3.00%. With Pine's dual pricing: 0%.
Estimate only. Results are based on the numbers you enter and assume your current processing costs are replaced by a compliant dual pricing program with 0% processing on all card payments (in-person, online and keyed-in). Your actual results depend on your sales mix, pricing setup and account approval. This isn't a quote or a guarantee. Get an exact comparison with a free statement review.
How the estimate works
Most businesses pay processing fees on every card sale. Your effective rate is your total fees divided by your total card sales. Many merchants use 3% as a rough starting point, but your statement shows your real number. With dual pricing, your posted price is the cash price and card payments show a card price (for example, $10.00 cash or $10.40 card), so processing costs no longer come out of your margin.
What's included with Pine
- 0% processing on all card payments: in-person, online and keyed-in
- No setup fees
- No contracts
- Most merchants running within 72 hours
- New Clover equipment included for qualifying dual pricing accounts
- ACH payment solutions
- Serving Miami-Dade and Broward
Want an exact number?
Send us a recent processing statement. We'll show you your real effective rate and what you'd keep with Pine.
Get My Free Statement ReviewSavings calculator FAQ
Is the 0% real?
Yes. With Pine's dual pricing program, processing is 0% on all card payments: in-person, online and keyed-in.
Does this calculator save my numbers?
No. The calculation runs in your browser, and nothing is sent unless you submit the statement review form.