Card Savings Calculator

Could you be paying less?
Answer a few questions to discover how much you could save on payment costs in less than 2 minutes.

No statements needed to start.

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Your Annual Savings Potential

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Pay less as your business grows.

Higher card volumes can open the door to volume discounts and custom pricing. That’s why our full service typically focuses on businesses processing around $70,000 a month. If you’re below that level, there may still be opportunities worth exploring. Start with the checks below or talk to us about your current costs.

Know what you actually pay

Your quoted rate may not include every charge. Divide your monthly processing fees by your card sales for the same month, then multiply by 100. For example, $1,500 in fees on $50,000 in sales is an effective rate of 3%.

Ask for rates that reflect your volume.

Once you’re processing around $25,000–$50,000 a month in card payments, it’s worth asking your provider about volume discounts or custom pricing. Eligibility varies by provider. Request a comparison using your actual payments to see whether the new terms would lower your total bill.

What to know:

  • Do you process over $50,000 monthly? You may be able to negotiate rates 0.2%-0.5% lower than standard pricing

Review the charges beyond your rate

Statement fees, monthly minimums, terminal rentals and paid services all contribute to the bill. Ask for a complete fee schedule and check whether you’re still paying for accounts or services you no longer use.

What to check:

  • Statement fees, monthly minimums and annual account charges.

  • PCI-related fees, including whether they cover a service or reflect an unresolved compliance requirement.

  • Terminal rentals, gateway subscriptions and support packages.

Getting close to $70,000 a month in card payments?

Get in touch. You don’t need to hit that number exactly. We’ll review your statements to see whether we could help you save thousands a year with your existing provider.

Have a concern about your fees? We’re happy to discuss your setup and see whether we could help.

N.B.: These are estimates based on typical industry rates. Actual savings vary based on your business type, card mix (credit vs debit), processor and negotiated rates.