It is not quite that simple. To get straight to the point, you should actually be asking
yourself this: “What is my effective rate?”

You see, what you really need to know is what your overall cost to accept credit cards is
for any given month. Many business owners and managers of business are under the
impression that they have one specific rate to process credit cards.

This is simply not true regardless of who your processor is.

In a nutshell you need to find out exactly how much money you paid for credit card
service in a given month and then divide that by the credit/debit card sales volume you
actually ran for that same month. This number is called your effective rate.

Simply use our calculator to determine your current effective rate as well as what you
may potentially see in savings if you were to process credit and debit cards on our
program.

**Please keep in mind that this may not take into consideration your American Express
or Discover fees. It does however give you a quick reference to gauge how competitively
you are priced.