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Merchant Account Fee Calculator

You can calculate your estimated monthly cost to process credit cards with this tool. This tool will account for downgrade charges and several other miscellaneous fees, and should give a decent indicator of the real monthly cost to accept credit cards.

Fill out all of the fields to the best of your ability. Do not put dollar signs $ or percentage signs % in the form fields...

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try the Simple Merchant Account Fee Calculator

Calculate the cost of processing credit cards.

Fields marked (*) are required.

Rates:

Discount Processing Rate*
Mid-qualified Processing Rate
Non-qualified Processing Rate

Fees:

Transaction Fee*
Mid/Non-qualified Transaction Fee (increase)

Volume and Transaction Information:

Average Sale Amount*
Total Sales Volume Per Month*
% of Mid-qualified transactions
% of Non-qualified transactions

Standard Fees:

Monthly Statement Fee
Monthly Gateway Fee

Additional Fees:

Other transaction or Peritem fee
Other fixed monthly fee

This may seem like a large cost per month, but there are several factors often observed when a business adds credit card acceptance to their list of accepted payment methods.

Not having to make cash or check deposits into a bank.
No bounced checks.
Increased customer spending.
Increased tip amounts (where applicable).
Increased amount of sales per amount of customers (conversion rate).
Increased customer convenience / satisfaction.

If you calculate the extra time and inconvenience it takes to deposit and verify checks and cash, credit cards become the cheapest payment option available.

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