This tool shows best-effort estimates based on industry averages and is not an official quote. Always confirm rates and fees with your chosen provider. Last updated: September 2025

Calculate Credit Card Processing Fees with Our Merchant Services Tool

The Merchant Services Fee Calculator makes it easy to calculate your credit card processing fees and compare the best providers side-by-side. Just enter your average transaction size, monthly volume and types of payment and within seconds you will know how much of a cost each processor would be to your business! This version has been updated for 2025 to assist U.S. businesses in selecting the best merchant services while avoiding needless fees.

Business Details

Average Transaction Size

Monthly Transaction Amount

Percentage Paid by Card

50%

Card Present (In-Person)

50%

Manually Entered (Keyed)

Online payments = remaining percentage

Key Metrics

Annual card sales

Amount you keep (best)

Top 8 Payment Processors

Ranked by estimated total cost for your business

#	Brand	Monthly fee	Est. monthly cost	Est. annual cost	Effective rate	Action

Why Use a Merchant Services Calculator?

Processing fees can vary from 1.5% to 3.5% per transaction, and even a small percentage can cost you thousands of dollars a year. Rather than guess, our calculator shows:

Effective processing rate
Estimated monthly cost
Annual fees for each provider

Making it easy to identify which merchant service will allow you to keep more of your revenue.

Merchant Services Fee Calculator – FAQs

This tool is intended to provide good faith estimates of payment processing fees from your inputs and our modeled brand profiles. The estimates are just that - not quotes. Always check a payee and final pricing with the payment provider.

What does this tool do?

It estimates the total monthly and annual card fee for eight payment processing providers. Then, it ranks those providers from lowest to highest estimated annual card processing costs. You will also have the effective rate as well as a link to click to read a comprehensive review of each brand.

Is this an official quote?

No. This is a tool for business planning and comparing. Actual pricing is dependent upon your merchant category code (MCC), the card mix (e.g., debit, credit, rewards), your risk profile, your average ticket, any hardware or software requirements, and agreed upon terms.

Which eight brands does it compare?

Leaders, Paysafe, Swipe4free, Stax, PaymentDepot, Clover, MerchantOne, and WorldPay.

Trusted by Thousands of Merchants

Join businesses who've saved money by comparing processors with our calculator

50K+

Calculations Completed

$2.3M

Average Annual Savings

4.9/5

User Satisfaction

Affiliate Disclosure

This calculator is provided for educational purposes only. We may earn a commission if you click on links to payment processors, which helps support this free service. Our rankings are based on our own calculation process and are not influenced by any affiliate relationships. We always suggest exploring multiple options and selecting the payment processor that best fits you, your business and your needs.