How it works
Monthly saving from B = cost of A − cost of B, where each cost is sales × rate + transactions × fixed fee.
Input definitions
- Monthly card sales
- Enter the value in the labeled unit.
- Monthly transactions
- Enter the value in the labeled unit.
- Provider A percentage (%)
- Enter the value in the labeled unit.
- Provider A fixed fee
- Enter the value in the labeled unit.
- Provider B percentage (%)
- Enter the value in the labeled unit.
- Provider B fixed fee
- Enter the value in the labeled unit.
A worked example
- Monthly card sales
- 20000
- Monthly transactions
- 400
- Provider A percentage (%)
- 2.6
- Provider A fixed fee
- 0.1
- Provider B percentage (%)
- 2.3
- Provider B fixed fee
- 0.3
Assumptions & limits
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-19. Content checked against the stated method and examples. Our verification approach.
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Common questions
Why does transaction count matter?
A lower percentage can still cost more when its fixed per-transaction charge is higher and average tickets are small.
How does Merchant processing rate comparison calculate the result?
Monthly saving from B = cost of A − cost of B, where each cost is sales × rate + transactions × fixed fee.
What should I verify before using Merchant processing rate comparison?
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.