ClearCardCosts
Free calculator

Effective Card Fee Rate Calculator

Calculate the effective percentage paid after fixed and variable card fees.

Turn a statement or monthly total into one comparable percentage of processed card turnover.

Enter your figures, then select Calculate estimate.

How this calculation works

The effective rate is total card-related fees divided by card turnover, multiplied by 100. Net receipts are turnover less those fees.

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

What to check

  • Match the fee and turnover periods exactly
  • Include fixed fees if comparing total provider cost
  • Exclude unrelated banking charges unless you intend to compare them too

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.