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Find your true cost of accepting cards in thirty seconds.
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Your effective rate is total processing fees divided by total card volume. It includes every fee, from per-transaction charges to monthly and PCI fees, so it is the fairest single number for comparing processors.
It depends on your card mix and how you take payments. In-person debit-heavy businesses have a lower floor than businesses that key in rewards cards. What matters is how far above the interchange floor you are paying.
Quoted rates often leave out per-transaction, monthly, batch, PCI and annual fees, and tiered pricing can push many transactions into higher-priced tiers.
Related guides
Quoted rates hide more than they reveal. Your effective rate shows what card acceptance really costs, and it takes thirty seconds to calculate.
A section-by-section guide to the monthly statement from your card processor, and the handful of lines that tell you whether you are overpaying.
The three common ways processors price card acceptance, how each one works on a real statement, and how to tell which is right for your business.
Next step
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.
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