Savings calculator
A credit card processing fee calculator with no spin.
This credit card processing fee calculator estimates your current flat-rate cost, the instant-payout fees you’d stop paying, and a ballpark on interchange-plus. It’s an estimate from published rates — your real number comes from your statement.
Estimate only, from published rates as of October 2026. The interchange-plus figure assumes roughly 1.6% interchange card-present / 2.1% card-not-present + 0.35% + 10¢, plus a typical ~$15/mo account fee. For Shopify it adds Shopify’s 2% third-party gateway fee, which still applies when you run firearms or ammo through an outside gateway. A negative difference means switching wouldn’t save you money on these numbers — and we’d tell you so. Your real markup is confirmed on your quote. Send your statement for exact numbers.
This is an estimate based on published rates and a typical card mix. Your actual cost depends on the cards your customers use and your confirmed Moneybox markup. See our estimate disclosure.