Free toolNo sign-up

Credit Card Processing Fee Calculator

What should card processing cost your business?

Effective rate today 3.10%

Projected with BrightStar 2.35%

Estimated savings, per year $3,599

Donated to your cause, per year $368

Where your monthly processing fees go $940.06

Card networks and issuing banks$786.70
BrightStar operations and support$122.69
Donated to your cause$30.67

If 25 businesses like yours joined one organization's network, it would receive about $9,202 a year.

Get the exact figures from your statement

Illustrative estimate built on typical interchange costs. Your real numbers depend on card mix and how you take payments. A statement review gives the exact comparison and donation.

About this calculator

Most businesses never see their processing costs as one number. This calculator turns your monthly volume and fees into an effective rate, then estimates what the same volume would cost on interchange-plus pricing with BrightStar.

How to use it

Set your typical monthly card volume.
Set your average sale. This drives the per-transaction part of the cost.
Optionally enter the total fees from your last statement for a sharper comparison.
Read your current and projected effective rate, yearly savings and the monthly donation your account would generate.

Questions

How accurate is this estimate?

It uses typical interchange costs and your inputs, so it is a good starting point, not a quote. Your real cost depends on card mix and how you accept payments. A free statement review gives the exact comparison.

Why does average sale matter?

Most pricing includes a fixed per-transaction fee. A business with many small sales pays proportionally more of that fixed fee than one with fewer large sales.

What if the projection is higher than what I pay now?

BrightStar guarantees in writing to match or beat your current rate, so the projection never shows more than you pay today.

Related guides

Next step

Send us a recent statement.

That is the whole first step. We come back with a side-by-side comparison and the exact monthly donation your account would generate. If we cannot beat what you have, we will tell you that too.

Request a free rate review Call (904) 562-1379

Credit Card Processing Fee Calculator

About this calculator

How to use it

Questions

How to Lower Credit Card Processing Fees: 12 Practical Steps

Interchange, Assessments and Markup: Where Your Card Fees Go

How to Read Your Merchant Processing Statement

Send us a recent statement.

Get the BrightStar Impact Network app