Free tool

Fee Checker

See what you really pay to accept cards, in about a minute.

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1. Your monthly totals

Use one month from your processing statement summary, or the payouts report in Shopify, Square, Stripe, or PayPal.

Monthly card sales $ Average sale $ Total fees that month $ Everything taken out for card processing: rates, per-sale fees, monthly fees. Type of business Choose one Online store In-person retail Restaurant or food Services Other

2. Optional: fee breakdown and card mix (for a sharper answer)

Many statements split fees into "interchange" (set by the card networks) and the processor's own fees. Flat-rate services like Square and Stripe don't show this, so skip it if you don't see it.

Interchange and network fees $ Processor's own fees $ Markup, per-sale fees, and monthly fees. Credit card share of sales % The rest is debit. Online or keyed-in share of sales % The rest is tapped, dipped, or swiped in person.

Check my fees

How to read your effective rate

Your effective rate is total fees divided by total card sales. It's the one number that lets you compare any two providers, whatever their pricing looks like.

• Interchange goes to the bank that issued your customer's card. Visa and Mastercard publish the rates, and they're the same no matter which processor you use. Visa's published fees
• Debit cards usually cost less than credit cards. Debit from large banks has a federal cap on interchange. Federal Reserve, Regulation II
• Online and keyed-in sales usually cost more than tapped or dipped cards, because the risk of fraud is higher.
• The processor's own fees are the part you can shop around. If your statement shows them separately, that number is the one to compare.

This tool is for general information, not financial advice. Results depend on the numbers you enter, and no savings are promised. See our Terms.