Enter your monthly card volume, what you pay now and your card mix. We'll estimate what surcharge or dual pricing or cash discount could potentially offset.
One recent statement replaces the assumptions with your real numbers.
Use the total processing cost from one recent monthly statement, including recurring processing fees.
Used to flag surcharge rules that may need additional review.
These estimates use the numbers you entered and simplified assumptions. They are not quotes or guarantees. One recent processing statement lets us replace the assumptions with your actual card mix, fees and program options.
Enter your current monthly processing cost to see your estimated cost offsets.
Estimated monthly cost offset
$0
Estimated annual cost offset
$0
Estimated processing cost still paid by business$0 per year
Surcharge applies only to eligible credit-card transactions. Debit, prepaid, program rules, state requirements and your actual card mix can change the result.
Estimated monthly cost offset
$0
Estimated annual cost offset
$0
Estimated processing cost still paid by business$0 per year
Dual pricing and cash discount programs can be structured differently. Actual cost offset depends on the approved program, processor, card mix, equipment, customer behavior and pricing setup.
The estimates differ because the programs affect different transactions and present pricing differently. Your actual card mix and approved program setup determine what can really be offset.
A surcharge adds a disclosed fee to eligible credit-card transactions. Debit and prepaid cards are treated differently under card-network surcharge rules, so the share of your volume that is actually eligible matters.
The calculator groups these together for a simplified cost-offset estimate. In practice, dual pricing and cash discount programs can be structured differently, and the exact treatment depends on the approved program, processor and pricing setup.
The calculator shows what may be worth investigating. One recent statement tells us which option deserves a closer look.
Credit, debit, prepaid and rewards cards do not all behave the same way. Your actual mix can materially change the estimate.
A recent statement tells us what the business is actually paying now. That gives the calculator a real starting point instead of an assumed rate.
Surcharge, dual pricing and cash discount work differently. The processor, equipment, program structure and applicable rules can all change the result.
Some customers may change how they pay when pricing changes. A calculator cannot know that before the program is live.
Use the AI assistant you already use. We'll send it the same inputs and estimates from the calculator, then ask it to research the rules, challenge the assumptions and tell you what could move the number.
Audit this savings estimate before I act on it.
Use my calculator inputs. Research current surcharge, dual pricing and cash discount rules. Explain what could change the estimate and cite current sources.
Each button opens the same research prompt in a new tab. Nothing is submitted until you send it.
Research prompt copied
AI can still get things wrong. Read the citations and compare the answer with your actual statement and program documents before making a decision.
Stored assumptions, card mix and program rules all change the number. Here is what the calculator is and is not doing.
Tell us what you are trying to fix or improve. We will tell you what should stay, what is worth changing and where Phase 3 can help.
Sometimes the honest answer is nothing.