Free calculator · No signup

Payment Processing Fee Calculator

See what card processing really costs your business each month — and your true effective rate once per-transaction fees are counted.

Your card processing

Enter your monthly card volume and your processor's advertised rate to see the true cost.

Monthly card volume$25,000

Average transaction$60

Percentage fee2.9%

Per-transaction fee$0.30

Monthly account fee$0

A planning estimate. Real processor pricing varies by card type, interchange, and plan (flat-rate vs. interchange-plus).

Estimated monthly fees

$755

Effective rate 3.0% of volume

Transactions / month417

Percentage fees$725

Per-transaction fees$125

Annual fees$9,060

Paying more than you thought? Compare processors on real cost in our Payments & Payroll guides.

The cheapest credit card processing companies of 2026 ranked by effective rate — Helcim, Payment Depot, Dharma, Stax and Square. Plus…

The best payment processors for small business in 2026 compared by monthly volume — Stripe, Square, PayPal, Helcim, and Stax. Real…

Everything small businesses need to know about payments and payroll — how payment processing works, the fees involved, choosing payroll…