Fee audit calculator for small businesses
Check what card processing really costs before you switch.
Estimate your effective processing rate, compare common fee models, and decide whether a lower-fee quote is worth your time.
Quick fee check
Estimate annual processing cost
Annual fees
$6,419
Effective rate
3.57%
Lowest estimate in current assumptions
PayPal POS in-person public rate
Estimated annual cost: $4,482
Priority pages
Start with the pages that clarify cost
These are the core calculator, guide, vertical POS, and comparison pages that help a small business move from fee estimate to provider shortlist.
Check average processing fee benchmarks
Compare current public in-person and online rates, then calculate the effective rate behind your own statement.
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Run a statement-style fee audit
Start with monthly card volume, average ticket, percentage fee, and per-transaction fee.
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Calculate your effective rate
Turn total monthly processing cost into one comparable rate before requesting quotes.
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Estimate Shopify payment fees
Model Shopify Payments, third-party transaction fees, subscription cost, and optional POS Pro locations.
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Calculate Stripe fees and net amount
Estimate online or in-person Stripe fees, then reverse the math for a target net payment.
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Compare processors without rate-card noise
Use effective rate, payment channel mix, and fixed fees instead of judging by one headline percentage.
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Compare interchange-plus vs flat-rate
Use transparent formulas and break-even examples before treating a processor markup as the total rate.
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Compare POS system costs
Check software, hardware, processing, add-ons, and contract terms before choosing a POS.
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Compare the best POS software
Shortlist small business POS systems by sales channel, inventory needs, hardware, and processing costs.
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Pick a retail POS system
Compare inventory tools, omnichannel selling, hardware, and retail payment fees.
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Compare restaurant POS systems
Review tables, tips, kitchen workflows, online ordering, and processing cost tradeoffs.
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Pick a food truck POS
Compare mobile hardware, offline payments, small-ticket fees, and event checkout needs.
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Compare salon POS software
Review appointments, tips, memberships, card-on-file payments, deposits, and fees.
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Compare Stripe vs QuickBooks
Choose between online payments, invoices, ACH, subscriptions, and accounting workflows.
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