Free Effective Rate Calculator

What Are You Really Paying to Process Cards?

One email with your analysis. One follow-up. Then we leave you alone.

The rate on your contract is rarely the rate you pay. Enter your volume and see your net effective rate — total cost divided by total volume. No statement, no phone call, nothing to fill in first.

Your effective rate

About thirty seconds. No email required.

Monthly card volume

Your industry

How you are priced

Most owners aren't sure. Leave it as is and we'll show you a range.

Your net effective rate

3.12%

$10,320 a year above transparent interchange-plus pricing for your industry. Your written analysis puts a Carpay quote on your actual volume.

Where The Money Goes

What your rate is actually made of.

Interchange and card-brand fees are published by Visa and Mastercard, so every processor starts from the same schedules. What differs is the margin a processor adds, the fixed monthly charges layered on top, and how plainly any of it is disclosed. Every processor earns a margin, ours included. The question worth asking is whether you can see it.

Visa and Mastercard revise their interchange schedules every April and October. Your rate changed on those dates whether your processor mentioned it or not — which is why the figure on your last statement is the one worth checking.

The Written Breakdown

Want the exact number instead of the estimate?

Tell us where to send it and we'll build your itemized breakdown: every cost bucket named, every charge worth questioning flagged, and a Carpay quote alongside it so you have something to compare against. Free, and yours to keep whatever you decide.

From your calculator

Send me the written analysis We email your breakdown and a Carpay quote. No one calls. Use it to negotiate with your current processor, or set it aside. No phone call Walk me through it first A specialist calls, answers your questions, and helps you locate the numbers if you would rather not work through a statement alone. One call, at your convenience

Your name * Company name *

Work email * Phone

We text you when your analysis is ready so it doesn't sit unread in a spam folder. That's what the number is for.

Your processing

Average sale size * Who processes your payments now *

Total fees on your last statement

One number off page one of your statement. It's the difference between an exact analysis and a close estimate.

Anything else we should know?

Have a statement handy? Optional

Not required. We'll build your analysis from the details above either way. Since no one will be calling, attaching a statement is what lets us itemize the fixed and monthly charges exactly rather than estimating them.

Attach a statement PDF or a photo of page one. One month is enough.

Black out your merchant ID and bank account details first — we don't need them. We read the fee lines and the volume totals, nothing else.

Free and no obligation. Your analysis includes a Carpay quote on your actual volume.

Anything you send is encrypted, read by one person at Carpay, and deleted once your review is done. We never contact your current processor.

What You Need

Card processing — and loan servicing, if you carry your own paper.

What you'd be moving to

Both pricing models, and the tools that come with them.

We quote flat rate and interchange-plus, and we'll tell you which one is cheaper for how you actually take payments rather than which one is easier to sell you. Across the statements we review, we beat the rate on the page about 99% of the time.

Carpay runs on the accept.blue gateway — PCI Level 1, with interchange optimization built in.

How It Works

Three steps, and you choose whether one of them is a call.

Questions

The ones everybody asks.

Ready to See the Real Number?

A written breakdown and a straight quote. One email, one follow-up, then we leave you alone.

Get My Written Analysis