Business · official-source review · reviewed 2026-10-26
A lower headline rate can cost more once the fixed fee on every transaction is counted.
Turn monthly volume, two rates, two fixed fees, and transaction counts into a monthly and yearly cost.
Small-business owners comparing card processors or renegotiating an existing rate.
Use the source document or official route that applies to your situation. This guide does not contact another person or verify external information.
Take the card sales from one normal month, not a peak month.
Count the card sales, not the items sold.
Use the percentage and the fixed fee from each quote.
The App applies both fee structures to the same volume and transaction count.
The annual figure shows what the monthly difference is worth.
On $12,000 across 150 sales, 2.9 percent plus 30 cents costs $393. At 2.4 percent plus 10 cents the cost is $303, a $90 monthly saving.
Use your own source and details. The example is not a record about a real person or organization.
Two volume comparisons. Both are examples.
Both cases are examples, not records about a real person. The bars show the same numbers the free App computes.
U.S. Small Business Administration · reviewed 2026-10-26
What this source supports: Clear invoice terms, late fee policies stated upfront, and polite reminders reduce late payment.
Source limit: Late fee rules vary by jurisdiction; state your terms in your client agreement.
These sources support the statements above. They do not show that every person needs this guide. They do not show a specific result.
This guide multiplies the numbers you enter. It does not read a processor contract or promise a rate.
Late fee rules vary by jurisdiction; state your terms in your client agreement.
Use current instructions from the responsible organization. This guide is a planning aid, not an official decision or a substitute for qualified advice.
Compare two card fee structures on the same monthly volume and transaction count.
This App multiplies the numbers you enter. It does not read a processor contract or promise a rate.
You enter every number yourself. The sources support the method and the limits. They do not produce a result for your specific case. Keep the original documents next to the sheet you build.
The App computes the worked example with your own numbers, in your browser.
APP 1
Compare two card fee structures on the same monthly volume and transaction count.
Free · no account · no upload
Open Card Processing Fee ComparisonThe App runs in this browser. It does not send or save entries. Copy, download, or print only when you choose.
This guide uses short, direct instructions as an ASD-STE100-style writing target. It is not a formal certification.
Companion App: Card Processing Fee Comparison. It runs in this browser and does not upload your entries.
This guide is edited for clarity and checked against the sources it links. It is not a substitute for official instructions or qualified advice. A linked source does not show that every person needs this guide.