Cash Flow Empire LLC | Merchant Services

DETAILED COMPARISON TOOLS

What are you really paying
to accept cards?

Each calculator is a separate example with its own inputs. Enter matching sales figures when comparing results. Estimates are not quotes.

Start with your statement

Monthly card sales ($)Gross card volume, including tax and tips. Exclude cash sales; don’t use your bank deposit.Total monthly processing fees ($)Include recurring processing fees. Exclude POS subscriptions, equipment, chargebacks and unusual one-time charges.

Your numbers. A clearer picture.

Enter sales and fees to see your effective rate, cost per $100 and annualized processing cost.

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See what a different rate could mean.

Move the slider to compare two pricing examples at your monthly card volume.

Monthly card volume$50,000

Average card sale ($)Starts with a $50 example. Change it to your typical card sale so the per-transaction charges are included.

Estimated transactions: 1,000 per month

Example flat rate2.6% + $0.10per transaction$1,400.00estimated monthly fees

Example blended cost — not a quote1.85% + $0.08per transaction$1,005.00estimated monthly fees

ILLUSTRATIVE COMPARISON

Estimated Monthly Difference

$395.00

$4,740.00 over 12 months at this volume.

See the difference the rates could make. Then review your statement to find out which options fit your business.

How this estimate works: Transactions = monthly volume ÷ average card sale. Each cost = volume × rate + transactions × per-transaction fee. The 1.85% is treated as an assumed total blended percentage for this illustration, not a markup added on top of interchange. Actual interchange-plus pricing varies with card mix and can include additional interchange, network, monthly or equipment fees. This comparison excludes any charges beyond the two rates shown and is not a quote or guaranteed savings.

What could a cash-discount program save?

Compare your potential fee savings if you currently pay 3% or 4% to accept cards. These are your existing cost scenarios, not fees added to a customer’s bill.

Monthly sales$50,000.00

Include card and cash sales. The estimate below removes your cash sales before calculating processing costs.

Share of sales paid in cash (%)Processing fees offset by the program (%)100% is a full-offset example, not a promised outcome. Adjust to your provider’s proposal.Remaining monthly program costs ($)$0 is an example. Include monthly, equipment and other costs not already counted above.

Card sales used in this estimate: $50,000.00

If you currently pay 3%

Current monthly processing cost: $1,500.00
Processing fees potentially offset: $1,500.00
Estimated remaining monthly cost: $0.00

Estimated Monthly Savings

$1,500.00$18,000.00 potential savings over 12 months.

If you currently pay 4%

Current monthly processing cost: $2,000.00
Processing fees potentially offset: $2,000.00
Estimated remaining monthly cost: $0.00

Estimated Monthly Savings

$2,000.00$24,000.00 potential savings over 12 months.

Example, not a quote: Savings = current processing fees × assumed offset percentage − remaining program costs. The 3% and 4% scenarios assume an effective rate that includes transaction charges; fees outside that rate must be included separately. Sales volume and payment mix are held constant. Offsetting fees changes who bears the cost; the fees do not disappear. This model does not predict price changes, customer behavior or cash-handling costs.

A genuine cash discount reduces the posted standard price for customers paying cash. These 3% and 4% cost scenarios are not authorization to add a card surcharge. Confirm pricing, signage and provider terms before enrollment. Visa cash-discount guidance · New York pricing guidance

Make your review more useful

Optional: tailor your checklist, then check off each item as you review it.

How do customers usually pay?

What would you like to improve?

Separate the feesIdentify processor markup and recurring processing fees. Keep POS software, equipment and unusual charges separate.

Request a written comparisonCompare the same sales mix, equipment and features. An effective rate alone does not prove you are overpaying.

Get a breakdown of your fees and compare your options.

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your actual costs.

These calculators use illustrative assumptions. Request a statement review for options that fit your business.

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What are you really payingto accept cards?