Effective Rate
3.396%
Based on $45,000 monthly volume
Industry average: 2.20% — This merchant is paying 54% above benchmark
Projected Annual Savings
$6,400
Based on markup reduction + junk fee elimination
Interchange Fee
Set by Visa/MC — your processor passes this through. Not negotiable.
1.847%
Assessments
Set by card networks — same for all processors. Not negotiable.
0.136%
Processor Markup
Negotiable — typical savings $292/mo
The margin your processor adds. This is the only fee you can negotiate.
1.213%
Effective Rate (Total)
What you actually pay on every transaction
3.396%
Monthly Junk Fees — Often Waived With a Single Request
PCI Non-Compliance Fee
$39.95/mo
Negotiable — typical savings $40/mo
IRS 1099-K Reporting Fee
$9.95/mo
Monthly Statement Fee
$25.00/mo
Annual junk fee total: $972 · Most of these are eliminated or reduced with one phone call.
Decode each fee →
Where the $6,400/yr Estimate Comes From
Markup reduction: 1.21% → 0.55% on $45K/mo
$3,564/yr
PCI non-compliance fee elimination
$479/yr
Statement + batch + IRS fee reduction
$492/yr
Total achievable savings
$6,535/yr
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