Processing Cost Comparison
PAYMENT PROCESSING COMPARISON
Compare your statement with published example rates.
Enter the totals from one recent merchant statement. We will compare your stated fees with a simplified model using Payanywhere's published pay-as-you-go rates. The difference is not confirmed savings or an offer for your account.
The modeled published-rate cost is $157.75 less per month than the entered fees—not confirmed savings.
- Your effective rate
- 3.50%
- Modeled effective rate
- 2.87%
- Illustrative monthly difference
- $157.75
The illustration uses the payment mix and transaction count you entered. It does not include hardware, optional software, chargebacks, non-processing services, taxes, or custom pricing.
The calculator does not submit your entered statement values.
Illustration only. Published pay-as-you-go rates are used for a simplified comparison of in-person and eligible keyed, virtual-terminal, or keyed invoice transactions—not hosted online checkout or payment links. Actual costs depend on approval, card mix, transaction types, equipment, other fees, and account terms. This is not a quote or confirmed savings.
A useful comparison starts with the real statement
Processing offers are difficult to compare when one provider advertises a flat rate and another separates interchange, assessments, monthly fees, software, and equipment. This calculator starts with the two numbers that matter most: how much you processed and how much the statement says you paid.
For the clearest result, use a representative month and include every processing-related fee shown on the statement. The calculator does not submit your entered statement values. The illustrative rate model covers in-person and eligible keyed, virtual-terminal, or keyed invoice transactions; it does not price hosted online checkout or payment links.
Questions a processing-statement discussion can cover
- Which volume, transaction counts, and fees appear on the statement?
- How much activity is card-present versus eligible keyed, virtual-terminal, or keyed invoice transactions?
- Which monthly, batch, statement, software, equipment, or other charges need explanation?
- Which Payanywhere rate and account terms would actually apply if an offer were made?
The on-page difference is an illustration, not confirmed savings, a quote, or a guarantee. Merchant accounts and custom pricing are subject to application, approval, business type, processing history, and final account terms. Ask about a statement review; do not email a full statement or payment-card details until an approved secure exchange route has been agreed.