If you need help locating the required figures on your statement, select your processor
from the drop-down list, and you'll see exactly where to find this information
Your Current Processor's Statement
Total Visa/MasterCard Sales:
Discover, AMEX, PIN Debit Fees:
Estimated Visa/MasterCard Interchange and Fees:
Estimated Processor Fees:
Estimated Fees Paid to Issuing Banks and Visa/MasterCard per Month:
Estimated Fees Paid to Processor per Month:
Estimated Annual Processor Fees:
THIS CALCULATION PROVIDED BY THIS TOOL IS AN ESTIMATE ONLY.
THE ACCURACY OF THIS ESTIMATE IS DEPENDENT ON THE ACCURACY
OF THE INFORMATION ENTERED INTO THE CALCULATOR. THE
MERCHANT'S ACTUAL RATE MAY BE DEPENDENT ON FACTORS NOT
CAPTURED BY THIS ANALYSIS. FOR EXAMPLE, THE CALCULATION IS
BASED ON ONE MONTH'S STATEMENT AND FEES MAY VARY MONTH TO
MONTH. THE NATIONAL RESTAURANT ASSOCIATION ("NRA") MAKES NO
REPRESENTATION OR WARRANTY OF ANY KIND RELATING TO THE
ACCURACY OR COMPLETENESS OF THIS ESTIMATE. IN NO EVENT SHALL
THE NRA BE LIABLE FOR ANY CLAIM ARISING FROM THE USE OR
RELIANCE ON THIS ESTIMATE.
Use this calculator to determine
what you're really paying.
Just enter four key pieces of data from your most recent card processing statement. The calculator will estimate how much you're really paying for each transaction based upon industry averages — as well as how much of that money goes to Visa/MasterCard and your processor. The results may be surprising, and you may find you're paying more than necessary. Knowing your true costs is the first step to controlling them and protecting your bottom line.
Be informed. Know your rights.
Keep every penny you deserve.
Follow these simple tips to begin lowering your costs:
- Swipe cards rather than key-enter card numbers whenever possible
- Adjust tips within every batch
- Settle daily
To help you navigate the tricky waters of card processing, we've put together the "8 Essential Elements of Payment Card Processing Costs." Download the flyer now and learn card processing details every restaurateur must know.
We're also partnering with Heartland Payment Systems®, one of the nation's largest payments processors, to help restaurateurs nationwide like you increase your profits by reducing your card processing expenses with fair pricing, full disclosure and best-in-class technology. Check out this industry-altering offering at GoFullCourse.com.
To learn more about what you're really paying and how you can save money, contact Heartland today at 866.941.1HPS (1477) or contact us.