What your processor won't show you

Card fees and empty hours. Two places money leaks, both measured against your own setup.

Nothing is sent anywhere. The math runs in your browser.

Two inputs. Two numbers back

No account, no discovery call, no PDF emailed to you three days later.

What you put in

Your current provider and roughly what you run through cards each month. Add your neighborhood if you want the local off-peak read.

What you get back

A range for what you are overpaying on processing, and what your slow hours could be worth if they were filled.

What happens next

Nothing, unless you want it to. Bring the result and last month's statement to a convo and we will check it line by line.

Have a statement handy

Work out your effective rate

Four things from one monthly statement. Your effective rate is every processing fee divided by your card volume, the one number that shows what you really pay.

Add your card volume and total fees to see the numbers.

2.36% is what Visa and Mastercard credit interchange averaged in 2025, the wholesale cost before network fees and any processor markup, so the gap is roughly what you pay on top of it. Source: Merchants Payments Coalition.

Bring the statement, we will find the line that moved.

Book a free 30-min review

Questions about the calculator

What does the quick estimate compute?
It estimates what you pay per year in card-processing fees from your provider and monthly card volume, and what your slow hours could be worth if the marketplace filled them.
What is an effective rate?
Your effective rate is every processing fee on a statement divided by the card volume it covers. It rolls interchange, network fees and the processor's markup into a single number.
What do I need to enter?
For the quick estimate, your provider and a monthly card volume range. For the effective rate, four things from one monthly statement: card volume, total fees, transaction count and plan type.
Is my data sent anywhere?
No. Both calculators run the math in your browser. Nothing is stored or transmitted until you choose to book a call.

Ready to check the range against a real statement?

Bring last month's statement to a free 30-min convo. We read the line items your processor buried, and you leave with a firm number.

Book a free 30-min convo