What does this calculator compare?
It estimates one month of processing cost under three pricing models using rates you enter: flat rate, tiered and interchange-plus. It shows the total cost and the effective rate for each.
Enter your monthly card volume and the rates from the quotes or statements you want to compare.
Estimate only, based entirely on the rates you enter. Real statements can include other fees, such as chargeback, PCI or batch fees, and interchange varies with your card mix. This isn't a quote from Pine Payments.
How it's calculated
Flat rate: volume × rate, plus the per-transaction fee × transactions, plus monthly fees.
Tiered: each tier's share of volume × that tier's rate, added together, plus per-transaction and monthly fees. The shares must add up to 100%.
Interchange-plus: volume × (interchange and network fees % + markup %), plus the per-transaction pass-through and markup × transactions, plus monthly fees.
Effective rate = total cost ÷ card volume. For what each model means and how to tell which one you're on, read flat rate vs. tiered vs. interchange-plus.
Related guides
Processing fee comparison FAQ
Where do I find the numbers to enter?
Use a recent processing statement or the quotes you are comparing. For interchange-plus, add up the interchange and card-network fee lines on a statement and divide by card volume to estimate the pass-through percentage.
What is an effective rate?
Total processing fees divided by total card volume. For example, $1,350 in fees on $45,000 in card sales is a 3.0% effective rate.
Does this calculator store my numbers?
No. The math runs in your browser, and nothing you enter is sent or saved.