Calculator
Credit Card Fee Calculator
Use monthly card sales, average ticket size, and current fee assumptions to estimate annual processing costs.
To estimate credit card processing fees, multiply monthly card sales by the percentage fee, add the per-transaction fee for each sale, then include any monthly fixed fees. Your effective rate is total monthly fees divided by monthly card sales.
Current annual fees
$6,419
Effective rate
3.57%
Monthly transactions
333
Lowest estimate in this model
Helcim
Helcim starter estimate
$2,499
estimated annual savings
| Provider estimate | Model | Effective rate | Annual cost | Savings |
|---|---|---|---|---|
Helcim Helcim starter estimate | Interchange-plus | 2.18% | $3,920 | $2,499 |
Stax Stax subscription estimate | Subscription | 2.68% | $4,828 | $1,591 |
Square Square in-person payments | Flat rate | 2.93% | $5,279 | $1,139 |
Stripe Stripe online card payments | Flat rate | 3.57% | $6,419 | $0 |
Assumptions
These are educational estimates using public rate assumptions stored in the site data file. Your real pricing may vary by card mix, volume, risk profile, hardware, software plan, and custom quotes.
Restaurant preset context: typical needs include tips, kitchen workflows, tables, offline mode.