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Quick and simple merchant account fee calculator.

You can calculate your estimated monthly cost to process credit cards with this tool. This tool will not account for downgrade charges or any other miscellaneous fees, but it should give a decent indicator of the minimum 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...

Need something a little more accurate?
Try the Advanced Merchant Account Fee Calculator

Calculate the cost of processing credit cards.
Discount Processing Rate:
(Example: 1.75)		 %
Transaction Fee:
(Example: .25)		$
# of Transactions per Month:  
Average Sale Amount: $
Monthly Minimum Fee:
(Example: 15.00)		$
Monthly Statement Fee:
(Example: 10.00)		$
Monthly Gateway Fee
(Internet Merchants - Example: 15.00):		$
  Your Monthly Processing Cost:    
  Your Total Monthly Revenue:    
  Overall Effective Percentage:    
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.