This page explains how our savings calculator, statement reviews and sample statements are put together, so you can judge the numbers for yourself. Everything produced by those tools is an estimate, not a quote or an offer. It was last updated on [effective date].
What our estimates are
An estimate compares what you appear to be paying now with what you would likely pay with Moneybox, based on the information available at the time. It is meant to help you decide whether a closer look is worth your time. It is not a guarantee of a rate, a cost, or approval. Your real cost is set by the merchant agreement you sign and by the cards your customers actually use.
Assumptions behind the savings calculator
The calculator estimates your current cost from the published rate of the provider you select and the inputs you enter — monthly card volume, number of transactions, card-present percentage, and how often you use instant payouts. It then estimates a Moneybox range using typical markup and interchange assumptions.
- Current-cost estimates use each provider’s published rates: [provider rates and as-of dates used in the calculator].
- The Moneybox range uses markup assumptions of [markup assumptions] and a typical interchange range of [interchange range used].
- Instant-payout savings assume you would stop paying the selected provider’s instant-transfer fee. Those fees are quoted “as of” the dates shown.
Because interchange varies with your card mix, two businesses with the same volume can pay different amounts. The calculator cannot know your mix, so its output is a range, not a precise figure.
Assumptions behind sample statements
Any sample statement shown on the site uses a sample business profile — [sample profile: volume, transactions, average ticket, card-present mix] — to illustrate how interchange-plus pricing reads line by line. The figures in a sample are illustrative. They are not a quote for your business.
How competitor rates are quoted
Where we compare against another provider, we use that provider’s own published rate and label it with the date we checked it — for example, “as of October 2026” — with a link to their page so you can verify it. Providers change their rates and policies, and a rate that was current when we published may change afterward. Always confirm the current rate on the provider’s own page before relying on it.
Interchange varies
Interchange is set by the card networks and depends on the type of card used, how the card is accepted, and other factors. It is the same underlying cost whoever processes your payments. Our estimates use typical interchange assumptions; your actual interchange will depend on your real card mix. A statement review uses your actual statement, which is why it produces a more accurate number than the calculator.
For exact numbers
To replace an estimate with real figures, send your statement and we will work from your actual cards and volume. See also our pricing page and our Terms of Use.