ClearCardCosts
Free calculator

Merchant Fee Calculator

Estimate monthly merchant account costs from transaction charges, minimums, compliance fees and terminal rental.

Bring the percentage, per-transaction and recurring charges from a merchant-services quote into one monthly estimate.

Enter your figures, then select Calculate estimate.

How this calculation works

We calculate the merchant service charge and authorisation fees, use the monthly minimum if it is higher, then add PCI, statement, terminal and other recurring fees.

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

What to check

  • Whether the quoted percentage varies by card type
  • Whether the monthly minimum applies before or after authorisation fees
  • Any annual, setup, early-termination or gateway fees not represented here

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.