Free Merchant Tool
Credit Card Fee Calculator
See what card processing fees are costing your business each year. Free, instant, and private. Your numbers never leave your browser.
Step one: know your number
What are card fees costing your business each year?
Enter your annual revenue and the share paid by card. We'll estimate what you're handing to the card networks. Nothing you enter leaves your browser.
Estimated annual card processing fees
$10,150
That's approximately:
- $195 every week
- $28 every day
- 338 average $30 transactions
- 2.03% of annual revenue
These are estimates to help you understand the scale of payment processing costs.
Now you have a number. See whether crypto payments can reduce it for a business like yours. The 3-minute quiz gives you a personalized answer and a plan.
Prefer the full map first? See the Start Here roadmap.
How this is calculated
Formula. Annual card fees ≈ Annual revenue × % paid by card × processing fee %
Assumptions.
- A blended processing fee of 2.9% is assumed unless you change it. Real rates vary by card type, industry, and provider.
- The weekly, daily, and per-transaction figures divide the annual estimate evenly across the year (52 weeks, 365 days, $30 average sale).
- “% of revenue” is your effective rate: the total fees as a share of total sales.
Limitations.
- Every business is different. Your payment mix, monthly fees, and negotiated rates all shift the real number.
- This estimates card costs only. It does not estimate cryptocurrency savings. The guide explains where savings may or may not apply.
- Cryptocurrency payments complement traditional cards; they don't replace them.
Why knowing your card fees matters
Card processing fees are easy to ignore because they're taken automatically, a little at a time. Added up across a year, they're often one of the larger costs a small business never examines. This calculator turns that invisible cost into a single, concrete number, so you can decide whether it's worth doing something about.
Who this is for
Any business that accepts card payments: retailers, restaurants, coffee shops, food trucks, contractors, service businesses, and online sellers. You don't need to know your exact processing rate: a sensible default is used, and you can refine it if you do.
What comes next
Understanding the cost is step one. If you're curious whether modern payment options, including cryptocurrency, could reduce some of it, the guide walks through your options honestly, including where they help and where they don't.