Effective rate calculator
Know what processing costs.
Two numbers from the same statement. One clearer view of your costs.
Start with your statement.
Use card sales and processing fees from the same period.
Card sales only, excluding cash sales.
Include processing charges for that period, not just the quoted percentage.
Calculated in your browser. Your numbers aren’t sent or saved.
Example effective rate
Example: $3.10 in fees for every $100 processed. Enter your amounts to see your rate.
$2,480.00 ÷ $80,000.00 × 100 = 3.10%
This shows your overall processing cost percentage. It doesn’t explain individual fees or determine whether your pricing is competitive.
Understand my payment costsMake the comparison count.
Which costs should I include?
Use the total processing fees for your chosen statement period. Keep equipment, POS software, and other separately billed services visible as separate costs when comparing proposals.
Why does my effective rate change?
Your card mix, transaction sizes, sales volume, and mix of online and in-person payments can change the result. Compare consistent periods and the same cost categories.
What should I do with this number?
Use it as a starting point for reviewing your statement. We can help you understand the charges and compare pricing options for your restaurant.
Explore restaurant payments →