A processor statement is pages of charges. Put in four numbers from last month's statement and get the one that matters: what you hand over on every $100. Then see what a quote from another processor would cost on the same month.
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Checking your account…
A sample month
You pay, on every $100
$2.73
Effective rate
2.73%
Fees this month
$1,146.40
Over a year, at this pace
$13,756.80
Cost per card sale
$0.69
Fixed charges are
8% of fees
What it means
Of every $100 your customers paid by card, $2.73 went to the processor (2.73%).
Leaving the fixed charges out, the rate on the sales themselves is 2.50%.
The largest single charge is "Visa and Mastercard interchange and assessments" at $714.00 (62% of the fees).
On this month's sales the quote would have cost $1,031.50, which is $114.90 less: about $1,378.80 a year. Check the quote's contract length, cancellation fee and any charges not listed before switching.
Where the fees go
Visa and Mastercard interchange and assessments$714.00 · 62%
Processor margin$189.00 · 16%
Per-transaction fees$148.50 · 13%
Terminal rental$49.95 · 4%
Account and compliance fees$44.95 · 4%
The quote, on the same month
It would cost $1,031.50 (2.46%), against $1,146.40 now: $1,378.80 a year less.
Worked out only from the figures entered; one month may not be typical. A cheaper quote can carry a contract term, a cancellation fee, equipment charges or a rate that rises later: read it before you switch. Not financial advice, and we are not paid by any card processor.