MERCHANT UTILITY · FREE AND PRIVATE

Compare real payment quotes—not headline rates.

Enter actual offers from two providers. We separate estimated operating fees from potential cash held in reserve and other contract risks. Calculations stay in your browser.

Monthly processed volume ($)

Transactions per month

International card volume (%)

Disputes per month

A First offer

Provider / proposal name

Card rate (%)Per transaction ($)Extra international rate (%)Other monthly fees ($)Fee per dispute ($)Equipment or setup fee ($)Early termination exposure ($)Reserve (% of sales held)

B Second offer

Provider / proposal name

Card rate (%)Per transaction ($)Extra international rate (%)Other monthly fees ($)Fee per dispute ($)Equipment or setup fee ($)Early termination exposure ($)Reserve (% of sales held)

NORMALIZED ESTIMATE

Which proposal actually costs less?

Provider A—Estimated monthly processing-related fees

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Provider B—Estimated monthly processing-related fees

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These are hypothetical defaults, not real provider quotes. Replace all values with your proposals. This model excludes costs not entered, such as interchange variability, currency conversion spreads, fraud services, authorizations, local taxes or minimum commitments. A reserve is a potential cash-flow hold, not necessarily an expense. Early-exit costs are shown separately as contingent exposure. Results are informational, not a contractual comparison or financial advice. Review common contract red flags ↗