Calculator
Merchant statement breakdown calculator
Estimates only. Educational only; not legal, tax or financial advice. No guarantee of savings or approval.
Fee lines from your statement (monthly $)
Effective rate
2.36%
Fees this month
$1,180.00
Fees per year
$14,160
Where every fee dollar goes
- Card issuer (interchange)$880.00 · 74.6%
Interchange goes to the bank that issued your customer's card. The card networks publish the rate tables; it depends on card type and how the card is accepted. Not negotiable directly.
- Card networks (assessments)$70.00 · 5.9%
Assessments are small fees the card networks charge on volume and transactions. Also passed through and not negotiable.
- Your provider (markup + per-item)$185.00 · 15.7%
Your processor's percentage markup and per-transaction fees. This is what you pay for the service, and the part offers differ on.
- Fixed fees (monthly, PCI, gateway, equipment)$45.00 · 3.8%
Flat charges that don't change with sales. On a slow month they push your effective rate up.
Estimates only. Results vary. No guarantee of approval, rates or savings.
Talk with a payments specialistThe formulas
Total fees = interchange + assessments + markup + (per-item fee × transactions) + fixed fees
Effective rate = total fees ÷ total card volume
Fees per year = monthly fees × 12
Worked example (illustrative numbers)
- Card volume: $50,000 across 600 transactions (illustrative)
- Interchange $880 + assessments $70 = $950 passed through to issuers and networks
- Markup $125 + per-item $0.10 × 600 = $185 to the provider
- Monthly, PCI and gateway fees: $45
- Total fees $1,180 → effective rate = $1,180 ÷ $50,000 = 2.36%, about $14,160 a year
Key takeaways
Common questions
Where do I find these numbers on my statement?
Most statements have a summary showing card volume and transactions, plus a fee section listing interchange, assessments or 'card brand fees', service or discount fees, and account fees. Some providers bundle lines; enter what you can.
My statement shows one blended fee. What do I enter?
Enter the total in the markup line. You'll still get an accurate effective rate, though not the full split by who gets paid.
What is a good effective rate?
It depends on industry, average ticket, card mix and how cards are accepted. Compare your own rate over time and against written quotes built from your actual statement.
Which fees can I negotiate?
Provider markup, per-item fees and fixed account fees may be negotiable. Interchange and network assessments are set by the card networks.
Do I need to upload my statement?
No. Everything calculates in your browser. Never send card numbers or bank logins through this website.
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Estimates only. Results vary. No guarantee of approval, rates or savings.
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