Payments Effective Rate Calculator

Calculate your true processing costs and projected savings.

Standard Rate With Surcharge Savings
$
$
Credit: 70% Debit: 30%

* By law, surcharges can only be applied to Credit card transactions, not Debit.

%
⚠️ Warning: Exceeds legal or network limits.

* Note: Surcharges cannot legally exceed your effective processing rate, and are hard-capped at 3% by major card networks.

Current Effective Rate: 0.00%
Surchargeable Volume (Credit Only): $0.00
Estimated Monthly Savings: $0.00
New Projected Effective Rate: 0.00%
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