Calculator
Payment stack cost calculator
Your card rate is only part of what it costs to get paid. Add software and staff time for the full picture.
Blue = you enterGreen = calculatedGray = assumptionAmber/red = check this
$
$
All fees on the statement.
$
$
$
hrs
$
All-in collections cost / month
$8,350.00
Card effective rate
2.60%
Broader cost ÷ card volume
3.34%
Software
$850.00
Staff time
$1,000.00
About $100,200 a year to get paid.
The card effective rate and the broader ratio are different measures — the broader one includes non-card work, so don't compare it to a processor's quoted rate. Uses only your numbers; no vendor pricing assumed.
Estimates only. Results vary. No guarantee of approval, rates or savings.
Estimates only. Results vary. No guarantee of approval, rates or savings.
Talk with a payments specialistThe formulas
- Card effective rate = processing fees ÷ card volume.
- All-in cost = fees + software + (staff hours × hourly cost).
- The broader ratio divides all-in cost by card volume — a directional measure, not a card rate.
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Read more: The true cost of collecting patient payments