Who it is for
Anybody taking cards, which is everybody.
Business and Money · Calculator · Free
The 3 percent nobody puts on a spreadsheetCard Processing Fee Calculator
Processing fees come off the top of every sale, quietly, forever. See the yearly total and what a small rate difference is worth.
Runs in your browser. Nothing to install. Save the result or embed it on your site.
Your numbers
What that means
Processing fees per year: $16,560
$16,560
Processing fees per year
$1,380 a month
3.07%
Effective rate
not the rate they quoted you
250
Transactions a month
$2,160/yr
Saved at the better rate
$5.52
Cost per sale
Month 1: $1,380. By Month 12: $16,560.
A 0.40% difference in rate is worth $2,160 a year. That is one phone call to your processor.
Small ticket businesses get hurt by the per-transaction fee, not the percent. If your average sale is under $25, that 30 cents is the real enemy.
What this assumed
- Assumes a single blended rate. Real statements mix interchange, assessments and processor margin.
Runs in your browser. Nothing you type is sent anywhere.
This is an estimate
This tool returns an estimate based on the numbers you entered. Your real result depends on your own costs, rates and conditions. Check it against your own records before you make a decision with it.
What this tool actually does for you
The problem it points at
It is 2.9 percent plus 30 cents, so it never shows up as a bill. It shows up as a slightly smaller deposit, every single day.
What you walk away with
The annual number, plus what shopping your rate would save.
How to use it
Takes about two minutes. Be honest with the numbers, the tool is not going to tell anybody.
- Enter your monthly card volume and average sale.
- Enter your current rate and per-transaction fee.
- Compare to a better rate and see the difference.
Put this tool on your own website
Free forever. I host it. You keep it.
This is a real lead magnet you can run on your own site tonight. Somebody lands on your page, plays with the numbers, sees what their problem costs, and now they are on your website instead of a competitor's. Costs you nothing, and I keep it working.
- Scroll up and press Put this tool on my website. The code appears right there, no form.
- Copy the one line you get.
- In your website editor, add an Embed, HTML or Custom Code block on whatever page you want it on.
- Paste it in, save, publish.
- Check it on your phone, then send people to that page.
Works on
WordPress, Wix, Squarespace, Shopify, GoDaddy, Webflow, Duda, HubSpot, ClickFunnels, or plain HTML. Anywhere that takes an embed code.
What it costs you
Nothing. No monthly fee, no expiring trial, no watermark you have to pay to remove. If you get stuck putting it in, text me at (903) 500-8898 and I will help you place it.
Part of these collections
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Now imagine the whole website doing real work.
Map the pages, lead capture, follow-up, and reporting that should sit behind your offer. The result is a recommendation, not a guaranteed outcome.