Processing Fee Calculator

What are you actually paying in processing fees?

Most businesses overpay by 20–30%. Find out in 30 seconds.

Your estimate

per month

per year

Enter your email for the full breakdown — we'll show you exactly where the overcharge is.

150+ statements analyzed. Average savings: $340/month. No contracts, ever.

The 4 line items that move the most on your processing statement

Most businesses are overpaying because of fees their processor never explains. Here's what to look for — right now, before you send us anything.

Industry Benchmark — Businesses Processing Your Volume

You're likely paying ~2.7% effective rate

Industry benchmark ~2.1% effective rate

Gap ~$312/month

4 fees worth checking on your statement

These are the highest-impact line items Dan finds most often.

⚠

PCI Non-Compliance Fee

$20–$99/month

Most businesses are compliant and don't know they're being charged this. Check page 2 of your statement — it's often buried under "security fees."

⚠

Batch Processing Fee

$0.10–$0.30 per batch

If you batch once daily this is minor. But some processors auto-batch every transaction separately — turning a small fee into $50+/month.

⚠

Statement Fee

$5–$15/month

Pure processor profit, zero value to you. Some processors call it an "account maintenance fee." Same thing. Fully negotiable.

⚠

Interchange Markup

Varies — often the biggest one

This is where the largest savings hide. The gap between what Visa/Mastercard actually charges and what your processor passes to you. Processors rarely volunteer to shrink it.

Monthly Processing Statement (Sample) Redacted

Processor: [Your Processor] Period: Last Month

Transaction Summary

Total Sales Volume $XX,XXX.XX

Interchange & Assessments $XXX.XX ✫ What Visa/MC charges

Processor Markup & Fees $XXX.XX 🔍 Biggest savings here

Fee Detail (Page 2)

Batch Fee $XX.XX

PCI Non-Compliance Fee $XX.XX ⚠ Often shouldn't be here

Statement / Acct Maint. Fee $XX.XX ⚠ Hidden fees

Other Fees $XX.XX

Total Fees Charged $XXX.XX

→ Your effective rate (total fees ÷ total volume) ~2.7%

This is what Dan reads line by line. The annotations above show exactly what he flags.

You now know

Your estimated rate vs. the benchmark
The 4 fees most likely padding your bill
Roughly how much you're losing per year
Where to look on your statement

You don't know yet

Your exact effective rate to the decimal
Which specific fees you're actually being charged
Whether you're on interchange-plus or a pricier model
Your real savings number — not an estimate

How it works

Run the calculator

Takes 30 seconds. You'll see an estimate of what you're likely overpaying based on your industry and volume.

Send your statement

Forward your latest processing statement by email or upload it here. Any format works — PDF, screenshot, photo.

Get your savings report

Dan reviews it line by line and sends you a custom quote within 48 hours. If switching doesn't make sense, he'll tell you that too.

Common questions

What is a processing statement?

A processing statement is a monthly report from your payment processor (Square, Stripe, First Data, Heartland, etc.) that shows every transaction, fee, and rate you were charged. It's usually emailed to you each month or available in your online portal under Reports or Billing.

How do I find my statement?

Search your email for your processor's name plus "statement" — for example "Square statement" or "Heartland monthly statement." If you can't find it, log into your processor's website and look under Reports or Billing. Still stuck? Book a quick call and Dan will help you locate it.

Is there any fee for the analysis?

No. The analysis is completely free. Dan reviews your statement and shows you exactly what you're paying and what you'd pay if you switched. If it doesn't make sense to switch, he'll tell you that.

Do I have to sign a contract?

No contracts. Ever. Every customer is month-to-month. You can cancel anytime, no questions asked.

How long does the analysis take?

Dan reviews statements within 48 hours and sends a custom savings report. For straightforward statements it's often same-day.