BizTracker Internal / Private Calculator
Merchant Processing Savings Calculator
Compare a merchant's current credit card processing cost against proposed BizTracker merchant services pricing. The calculator keeps interchange and pass-through costs separate from processor-controlled pricing so the comparison can be reviewed line by line.
Best practice: use figures from the merchant's actual monthly statement. Enter interchange, card-brand assessments and other network/pass-through costs separately whenever they are available. This helps prevent unavoidable card costs from being presented as processor savings.
1. Merchant Statement
Enter figures from the same monthly processing statement period.
$
$
$
$
$
$
Optional. Use for statement, gateway, PCI or other known recurring charges.
Need help finding these numbers? See the Calculator Help section below or review the BizTracker Merchant Statement Review guide.
2. Proposed Pricing
Pricing assumptions remain editable so a salesperson can adjust a proposal without rebuilding the page.
Visa / Mastercard / Discover Markup
Percentage added to applicable processing volume
%
American Express Markup
Percentage added to applicable Amex volume
%
Transaction / Authorization Fee
Applied to total transactions
$
PIN Debit Fee
Applied only to entered PIN debit transactions
$
Monthly Statement Fee
Fixed monthly charge
$
Annual PCI Program Fee
Converted to a monthly equivalent
$
Additional Monthly Fees
Optional gateway, platform or other recurring charge
$
3. Savings Analysis
Enter the merchant statement figures and select Calculate Merchant Savings.
Current Effective Rate
0.00%
Proposed Effective Rate
0.00%
Average Ticket
$0.00
Current Monthly Fees
$0.00
Proposed Monthly Cost
$0.00
Processor-Controlled Cost Difference
$0.00
Estimated Monthly Savings
$0.00
Estimated Annual Savings
$0.00
Processing Cost Reduction
0.00%
No analysis has been calculated yet.
Proposed Monthly Cost Breakdown
| Cost Component | Calculation | Amount |
|---|---|---|
| Interchange / Assessments / Network Costs | Statement pass-through costs | $0.00 |
| Visa / MC / Discover Markup | Volume × 0.08% | $0.00 |
| American Express Markup | Volume × 0.33% | $0.00 |
| Transaction / Authorization Fees | Transactions × $0.05 | $0.00 |
| PIN Debit Fees | PIN transactions × $0.10 | $0.00 |
| Monthly Statement Fee | Fixed monthly fee | $0.00 |
| PCI Program | Annual PCI fee ÷ 12 | $0.00 |
| Other Monthly Fees | Entered recurring fees | $0.00 |
| Estimated Total Monthly Processing Cost | $0.00 | |
Transparent formula:
Proposed Cost = Pass-Through Costs + Visa/MC/Discover Markup + Amex Markup + Transaction Fees + PIN Debit Fees + Monthly Fee + Monthly PCI Equivalent + Other Monthly Fees.
Proposed Cost = Pass-Through Costs + Visa/MC/Discover Markup + Amex Markup + Transaction Fees + PIN Debit Fees + Monthly Fee + Monthly PCI Equivalent + Other Monthly Fees.
4. Merchant Comparison
| Merchant | Not entered |
| Monthly Card Volume | $0.00 |
| Transactions | 0 |
| Average Ticket | $0.00 |
| Current Effective Rate | 0.00% |
| Proposed Effective Rate | 0.00% |
| Effective Rate Improvement | 0.00 percentage points |
| Current Cost Above Pass-Through | $0.00 |
| Proposed Cost Above Pass-Through | $0.00 |
| Monthly Savings | $0.00 |
| Annual Savings | $0.00 |
| Processing Cost Reduction | 0.00% |
Merchant Savings Summary
Complete the calculator above to generate a transparent monthly and annual processing comparison.
Calculator Help
Use the merchant's most recent complete processing statement whenever possible. The most reliable analysis uses the same statement period for card volume, transaction count, total fees and pass-through costs.
Monthly Card Volume
Use total settled card sales for the statement period, not gross business sales.
Total Processing Fees
Use the full amount charged for processing during that same period, including recurring processing-related charges.
Pass-Through Costs
Look for interchange, assessments, network fees and other card-brand costs that are not simply processor markup.
Card Brand Volume
Separate Visa, Mastercard and Discover from American Express when the statement provides the breakdown.
Transaction Count
Use settled transactions rather than authorization attempts whenever possible.
Average Ticket
The calculator automatically divides monthly card volume by total transactions.
Effective Rate
Effective rate equals total processing fees divided by total card volume.
Do Not Guess
If a statement does not clearly identify a cost, leave it for review instead of assigning it to interchange or processor markup without support.
Relevant BizTracker Resources
Use these pages when you need additional information about statement reviews, merchant services, payment integration, PCI or EMV.
Merchant Statement Review
Review what to collect from a merchant and what BizTracker examines in a processing statement.
Merchant Services
BizTracker merchant services, processing guidance, payment equipment and setup information.
POS Credit Card Processing
Information about integrated POS payments, terminals, receipts, reporting and checkout workflow.
PCI Compliance
Review PCI considerations and how compliance fits into payment processing and POS operations.
EMV Chip Card Processing
Information about EMV chip payments, contactless transactions and payment terminal workflows.
BizTracker Support
Help with payment terminals, processing workflows, batch questions, POS setup and training.
Need Help Reviewing a Statement?
Contact BizTracker if a statement is difficult to interpret or if you want another set of eyes on interchange, assessments, recurring fees, gateway charges, PCI charges or payment setup.
Important: This calculator is for processing-cost analysis and comparison purposes. Actual interchange, American Express program costs, debit network fees, card-brand assessments, authorization costs and other pass-through charges vary based on card mix, merchant category, transaction type, card-present versus card-not-present activity, debit routing, processor configuration and other factors. Savings should not be represented as guaranteed until the merchant's actual statement and processing configuration have been reviewed. PCI non-compliance, chargebacks, retrievals, ACH rejects, early termination charges, equipment costs and other event-based fees are not included unless specifically entered as an additional monthly cost.