⚖️ Processor Comparison Calculator
Put two processors head to head at your volume and average ticket to see each one's total monthly cost, effective rate, the cheaper option, and how much you'd save over a year by switching.
Informational estimates only — not financial advice.
🧮 Compare Two Processors
⚖️ Processor B is cheaper
| Processor | Total monthly cost | Effective rate |
|---|---|---|
| A | $350.00 | 3.50% |
| B | $295.00 | 2.95% |
What is a Processor Comparison Calculator?
Two processors can advertise very different headline rates and still cost you nearly the same — or the “cheaper” one can quietly be dearer once its fixed and monthly fees land on your mix of sales. This tool settles it by pricing both against your actual volume and average ticket, turning three moving parts per provider into a single monthly cost and effective rate.
The annual-savings figure is the headline: it's the real money on the table for switching, sized to your business rather than a marketing example. Adjust the average ticket to see how sensitive the winner is to your transaction size.
❓ Frequently Asked Questions
How does the comparison work?
You enter your monthly card volume and average transaction size, and pricing for two processors — each a percentage rate, a fixed fee per transaction, and a flat monthly fee. The tool derives your transaction count (volume ÷ average ticket), totals each processor's monthly cost, and reports the effective rate, the cheaper option, and the annualised savings.
Why does average transaction size matter?
Because the fixed per-transaction fee is charged on every sale. A low average ticket means more transactions for the same volume, so a plan with a small percentage but a high fixed fee can end up costing more than a plan with a higher percentage and a low fixed fee.
Should I always pick the cheaper processor?
Cost is only one factor. Settlement speed, payout reliability, supported payment methods, fraud tools, chargeback handling, and integration effort all matter. Use this to quantify the price difference, then weigh it against everything else.
Are these exact quotes?
No. Real pricing can include interchange-plus tiers, cross-border and currency fees, PCI charges, and volume discounts. Treat the comparison as an informational estimate — not financial advice — and confirm with each provider.