What could you
save?
Four numbers from last month's processing statement give you a rough idea of what you pay now and what typical interchange-plus pricing would cost instead. It takes about a minute. Your numbers stay in your browser unless you ask for the breakdown.
Your Last Statement
Fill in your statement numbers and your estimate shows up here.
No statement handy? Most processors put last month's totals on the first page of the PDF, under "summary" or "total fees".
Get the detailed breakdown
See it line by line: interchange, card-network fees and processor markup, side by side with what you pay now.
Your breakdown
| Monthly cost | Low | High |
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Interchange is the wholesale rate the card-issuing bank charges. It is the same whoever processes your cards. Network fees go to Visa, Mastercard and the others. The markup is the only part a processor sets, and on interchange-plus pricing it's printed on your statement.
If your fees are well above the high end, look for tiered "non-qualified" surcharges, monthly minimums, PCI non-compliance fees and annual fees. The free audit finds them line by line.
Want your exact number? Upload your statement and we'll go through every line, for free.
Get Your Free AuditHow the estimate works
Your effective rate is your total fees divided by your total card sales. The typical interchange-plus cost adds three things up: average interchange for your kind of business, from Visa's and Mastercard's published U.S. rate tables; card-network fees (about 0.14% plus $0.02 a transaction); and a processor markup of 0.20–0.40% plus $0.08–$0.10 a transaction, the range typical for interchange-plus pricing for small businesses. It does not include monthly account fees or equipment.
Your real cost depends on your card mix (debit costs much less than premium rewards cards), your average sale and how you take payments. That's why we show a range. For the rates behind it, see 2026 processing rates by industry.