Gross vs. net settlement
Gross settlement deposits full sales and bills fees once a month — easier to match daily. Net settlement deducts fees from each deposit — every day is off by the fees. Know which you have.
Tracing a deposit
- Find the batch date and total in the processor report
- Subtract refunds and any daily fees
- Account for chargebacks or reserve holds
- Match to the deposit one to three business days later
- Note American Express or other cards that may fund separately
Run the numbers
Blue = you enterGreen = calculatedGray = assumptionAmber/red = check this
$
Total card sales on your statement.
$
Add every fee line: discount, interchange, assessments, monthly, PCI, gateway.
Your effective rate
3.25%
Fees per year
$23,400
Avg. fee / sale
$4.88
Avg. ticket
$150.00
Effective rate is a diagnostic, not a savings quote. Card mix, card-present vs. keyed, and network rules change what any provider can offer.
Questions to ask your processor
- • Is my pricing interchange-plus, tiered or flat-rate?
- • What is your markup above interchange, in % and per item?
- • Which monthly, PCI, statement or gateway fees apply?
- • Is there an early-termination fee or equipment lease?
Request a payment reviewOptional. No statement upload needed here.
Estimates only. Results vary. No guarantee of approval, rates or savings.
Talk with a payments specialistCommon questions
Why are some cards deposited separately?
Some card brands or programs settle on their own schedule. Your processor's funding report shows each deposit's source.