Free tool

What's my real rate?

Processors quote you a teaser rate. Your statement tells the truth. Take the total fees and the total card volume from one month's statement — the bottom-line numbers — and we'll compute the single percentage you're actually paying.

effective rate = total fees ÷ total card volume

The full amount the processor took — interchange, markups, monthly fees, everything.

Everything you ran through the terminal, not counting cash.