Free calculator

Cash vs Card Cost Calculator

Compare the estimated operational costs of accepting cash and card payments.

Compare visible card fees with selected operational cash costs, including banking, handling time and an optional allowance for errors or losses.

How this calculation works

Cash cost combines banking and loss percentages with staff time. Card cost combines percentage, per-transaction and monthly fees.

The values pre-filled above are examples only. Replace every figure with your own provider quote, statement and operating assumptions.

What to check

This is not a claim that all cash sales create the entered loss rate
Use your fully loaded staff cost, not only take-home pay
Consider customer preference, speed, security and accessibility as well as cost

Use the result carefully

A calculator can make pricing easier to compare, but it cannot reproduce every provider rule. Run more than one scenario and check the result against the actual contract, price list or statement before making a decision.