Free tool for service businesses

Credit card processing fee calculator

Enter one month of card sales and fees. See your effective rate, then compare published US online-payment estimates.

Rates checked October 31, 2026. Entries stay in this tab: no saving, tracking or submission.

Your monthly card payments

Use the sales, transaction count and fees from the same month. The starting numbers are an example.

Example

Your statement rate

Effective rate = total card-processing fees ÷ gross card sales. A statement with in-person, online and keyed-in payments has a blended rate; the estimates below assume online payments.

Published processing estimates

Six scenarios across five services, using the payment methods and conditions shown. Processing estimates exclude software subscriptions and other charges, so they do not identify the cheapest complete service.

Online card-processing scenarios in US dollars, with payment conditions beside each service.
Service and payment basis	Monthly estimate	Annualized estimate

What the estimates leave out

Software subscriptions, optional features, taxes, chargebacks, refunds and international-card charges. Access to a processing rate may depend on an eligible account or software plan.
Cash, bank transfers and in-person or staff-entered card payments. Use your actual card-only totals here.
Per-payment rounding and the mix of card types can change a real bill. Annualized figures assume the same volume every month.

For rates, payment methods and plan conditions together, read our contractor payment fees guide. Check the linked official sources in each result before making a decision.

Compare complete quotes Explore bank transfer fees

This tool is free to use. Linked Worthd guides may contain referral links, with their disclosures on those pages.