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Inclusive 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...

Is this a bit too complicated? Try the Simple Merchant Account Fee Calculator

Calculate the cost of processing credit cards.

Discount Processing Rate:
(Example: 1.75)

Mid-Qualified Rate:
(Example: 2.75)

Non-Qualified Rate:
(Example: 3.25)

Transaction Fee:
(Example: .25)

Transaction Fee (Mid/Non-Qualified):
(Example: .25)

# of Qualified Transactions per Month:

# of Mid-Qualified Transactions per Month:

# of Non-Qualified Transactions per Month:

Average Ticket (Avg Sale Amount):

Monthly Minimum Fee:
(Example: 15.00)

Monthly Statement Fee:
(Example: 10.00)

Monthly Gateway Fee:
(Internet Merchants - Example: 15.00):

Other Monthly Fee:
(Example: 10.00)

Yearly Fee:
(Example: 100.00)

	Your Monthly Processing Cost:
	Your Total Monthly Revenue:
	Overall Effective Percentage (w/downgrade charges):

	Percentage of Transactions Downgrading:
	Cost of Downgrading Transactions :

This calculator should give a good estimate of the total credit card processing cost per month including downgrade charges for a merchant account. Downgrade charges can make up a large portion of a businesses monthly processing bill. If downgrade transactions approach or exceed 50% of the total volume of transactions, further investigation should be considered, as there is probably something wrong with the merchant account's specified processing method, or other factor causing the downgrading.

Posts Relating to Downgrading:
The costs of not using AVS (Address Verification System)!
Level 1, 2, and 3 credit card processing
Why am I downgrading? - Part 1/3 - Reasons
Why am I downgrading? - Part 2/3 - Preventing
Why am I downgrading? - Part 3/3 - Case Studies