Credit card processing fee calculator
Type in your monthly card volume and average ticket. See what card fees really cost you, and what dual pricing keeps in your drawer.
At $28 average ticket, $40,000 a month is about 1,429 card sales. Fee model: 3.5% + $0.20 per transaction.
Under Pass, your card cost is about $0 a month — the card-paying customer covers the fee.
Estimate only, for planning. Your statement blends interchange, assessments, and processor markup differently. Compare this against your last full processing statement, and see how Batchly prices.
How this calculator works
Every card sale costs you two things: a percentage of the sale and a flat fee per swipe. This tool uses a round, easy-to-reason-about model of 3.5% plus $0.20 per transaction. That mirrors how a typical in-person specialty-retail account looks once you blend interchange, card-brand assessments, and processor markup into one number. Your real rate will differ, so treat the output as a directional figure, not a quote.
The math is simple. First it turns your monthly volume into a transaction count by dividing volume by your average ticket. On $40,000 a month at a $28 ticket, that is about 1,429 sales. Then it charges 3.5% of the full volume plus $0.20 for each of those sales. That is why a lower average ticket hurts more: the flat $0.20 lands on every sale, so a shop selling many small items pays a bigger effective rate than one ringing up fewer large ones.
The three output cards show the same fee under Batchly's three dual-pricing modes. Absorb is the old way — the store eats the entire fee, and that number is pure margin walking out the door. Pass shows the fee as a cash-versus-card price, so the customer who chooses card covers it and your out-of-pocket card cost drops to roughly zero; the big green number is what stays in your drawer instead of going to the processor. Split meets in the middle: you and the customer share the fee about evenly, which some owners prefer as a softer landing for regulars.
Batchly sets this per sale at the register, and the customer sees a plain cash price next to the card price before they choose. That is the dual pricing model — presented as a cash discount, which is permitted in all 50 states. Surcharging is a different, more restricted approach; see is cash discounting legal for the distinction. None of this is legal advice — confirm the specifics with your processor and counsel and check your state. When you are ready to see it on real tickets, read credit card fees explained or compare Batchly against Square.
Common questions
How do I calculate my credit card processing fee?
Multiply your card volume by the percentage rate, then add the per-transaction fee for every sale. This calculator uses 3.5% + $0.20 per transaction. On $40,000 a month at a $28 average ticket, that is about 1,429 transactions, or roughly $1,686 a month in card fees before dual pricing.
What is the difference between Absorb, Pass, and Split?
Absorb means the store eats the whole fee. Pass means the customer who pays by card covers the fee, shown as a cash-versus-card price, so your out-of-pocket card cost is near zero. Split means you and the customer share it roughly in half. Batchly lets you set the mode per sale at the register — see dual pricing.
Is passing the fee to customers legal?
Batchly presents Pass as a cash discount: customers who pay cash get the lower price. Cash discounting is permitted in all 50 states. Surcharging is a different model with caps and restrictions in some states. This is general information, not legal advice — confirm the specifics with your processor and counsel and check your state rules.
Does this calculator include my exact processor rate?
It uses a flat 3.5% + $0.20 per transaction as a clear planning estimate. Your real statement may blend interchange, assessments, and processor markup differently. Use this as a directional number, then compare it against your last full processing statement and Batchly's pricing.
Stop giving away your margin
Batchly puts the cash and card price side by side and lets you pick who pays the fee — per sale. $99 a month per store after a 21-day free trial, no card required, with free setup and migration.
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