Compare a quote
A lower headline rate is not always a lower bill.
Put two card-machine offers through the same sales pattern. The difference becomes easier to see when fixed fees and per-transaction charges are in the frame.
Your comparison
Enter your shared sales figures and both quotes to see the estimate.
Start with the figures you have
Three ways to get to your real rate.
Choose the mode that matches your paperwork. These are estimates, but they include the fixed costs that headline rates leave out.
Work backwards from your bill
Use your statement total to find the effective rate.
Enter your provider's total charges and your card turnover for the same period.
Include VAT in fees only if you want a VAT-inclusive comparison. Use the same basis for any alternative.
Detailed merchant fee estimate
Advanced
Enter the card mix by value of sales. Put all monthly fixed charges into the relevant boxes. Leave unused fees at zero.
Compare another provider
Compare alternative rates and fees
Use identical turnover, card mix and transaction count for both providers.
How the figures work
Effective overall rate = all fees ÷ card turnover × 100. This includes fixed charges. In advanced mode, each card category's fee is its share of turnover multiplied by its rate; transaction charges and monthly fees are then added. The alternative uses the same turnover and transaction count.
These are estimates, not a quote. Card type by sales value may differ from card type by transaction count. Refunds, chargebacks, international cards, minimum charges, tiered pricing, interchange-plus structures, VAT treatment and billing dates can change an actual statement. Check your contract and statement before switching.
Compare like with like
The details that change the answer.
Sales value
Both quotes see the same turnover, so the percentage portion is fair.
Sales count
Per-transaction charges can outweigh a tiny rate difference at high volume.
Fixed costs
Rental, PCI and plan fees can make a low headline rate more expensive.