In-person card payments
Compare card-present rates, terminal costs, and point-of-sale software fees.
FeeScope · browser-only comparison
Compare credit card
processing fees.
Know your real costs.
See what you pay to accept cards. Calculate your effective rate, then compare a written quote using your own numbers.
No signup. No statement upload. Your numbers stay in this browser.
01No signupUse the calculator without creating an account.
02Visible mathSee how each estimate is calculated from your inputs.
03No bank detailsEnter totals only; do not enter account information.
Fee calculator
What are you paying to accept card payments?
Use card sales and processing fees from the same month. Include recurring fees charged for accepting cards.
How it works
How does FeeScope compare processing costs?
- 01
Start with what you pay
Take your card sales and total processing fees from one statement. Find your effective rate.
- 02
Add a complete quote
Use the same sales volume and transaction count. Include percentage charges, transaction fees, and fixed monthly costs.
- 03
Review the full picture
Check estimated savings alongside software, equipment, contract terms, and support. Download your calculation for your records.
Pricing models
Which payment pricing model fits your business?
The lowest advertised percentage does not always produce the lowest total bill.
| Pricing model | How charges work | What to compare |
|---|---|---|
| Flat rate | A stated percentage, often with a fee per transaction. | Rates for each payment channel, transaction fees, and additional charges. |
| Interchange plus | Interchange and network charges, plus the processor’s markup. | The complete estimated cost for your card mix, including fixed fees. |
| Membership | A recurring plan fee, plus processing costs defined by the provider. | The membership fee, transaction charges, volume limits, and pass-through costs. |
Payment channels
Compare costs wherever your customers pay.
Your payment methods shape your costs. Review each channel before choosing a processor.
Online and keyed payments
Check online rates, gateway charges, fraud tools, and fees for manually entered cards.
Invoices and recurring payments
Review payment links, billing tools, stored-card costs, and account migration requirements.
ACH and bank payments
Compare bank-payment fees, caps, return charges, and funding timelines separately from card processing.
Fee checklist
Which fees belong in your comparison?
Use the full cost list. A headline percentage rarely tells the whole story.
Percentage charges
Separate the full processing rate from an advertised processor markup.
Transaction fees
Multiply each fixed transaction charge by your actual monthly transaction count.
Recurring account costs
Include monthly account, gateway, software, and compliance charges when they apply.
Equipment and setup
Check purchase prices, rental fees, installation costs, and equipment ownership.
Contract and exit costs
Review cancellation terms, lease obligations, and required notice periods.
Exceptions and extra charges
Check refund policies, dispute fees, cross-border charges, and funding costs.
Business context
What matters for your type of business?
Compare frequent transactions, smaller purchases, hardware, and point-of-sale costs.
Review larger invoices, mobile payments, deposits, and bank-payment options.
Check recurring billing, invoicing, software connections, and funding timelines.
Compare online rates, international cards, subscriptions, and dispute costs.
Worked example
See the math before you make a move.
A business processes $50,000 across 1,000 transactions and pays $1,750 in monthly fees. An example quote charges 2.60%, plus $0.10 per transaction and $25 monthly.
Quote math: $50,000 × 2.60% + 1,000 × $0.10 + $25 = $1,425. These are sample inputs, not published provider rates or promised savings.
Illustrative USD comparison
- Current monthly fees
- $1,750
- Quoted monthly fees
- $1,425
- Monthly savings
- $325
- Annual savings before switching costs
- $3,900
- One-time switching costs
- $500
- First-year net savings
- $3,400
Method
How are the estimates calculated?
Your effective rate expresses total processing fees as a percentage of card sales for the same period.
Formula
Effective rate = total fees ÷ card sales × 100. FeeScope uses the numbers you enter.
Assumptions
Annual estimates assume unchanged monthly activity and quoted pricing. The calculator does not predict your future card mix.
Data handling
The calculator does not fetch live processor quotes. Your values stay in this browser unless you download your own local text file.
Before you switch
What should you check before switching processors?
Check your everyday tools
Confirm support for your checkout, accounting system, recurring billing, and required payment methods.
Read the full agreement
Check contract length, hardware ownership, funding terms, reserves, and cancellation costs.
Plan the changeover
Confirm account approval, equipment setup, and data transfer before closing your existing account.
FAQ
Credit card processing fees: your questions answered.
Start with the total cost. Then check the terms behind it.
What is an effective processing rate?
It is your total processing fees divided by card sales, multiplied by 100. Use figures from the same period.
What information do I need?
Start with monthly card sales and total processing fees. For a quote comparison, add transaction count and complete quoted charges.
Is the lowest advertised rate always cheapest?
No. Transaction charges, recurring fees, card mix, and payment methods affect the total cost.
Does this calculator show live processor rates?
No. It uses the figures you enter. Get a current written quote from each provider before making a decision.
Are the savings guaranteed?
No. Estimates depend on your inputs and stable monthly activity. Actual charges depend on your transactions and provider terms.
Do I need to upload a statement or provide an email?
No. This calculator runs in your browser without signup, statement uploads, or an email address.
How should I compare interchange-plus pricing?
Include estimated interchange, network fees, processor markup, and fixed charges. Entering the markup alone understates the total cost.
Your next decision
Ready to compare your payment costs?
Start with one statement. See your effective rate and compare your next quote with clearer numbers.