Calculator
Effective Rate Calculator
Turn your card processing costs into one effective rate so you can tell whether your current pricing is competitive.
Your effective processing rate is total processing fees divided by monthly card sales. It is often more useful than the advertised rate because it includes transaction fees, monthly fees, and other processor costs.
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.