Card processing cost calculator

Enter your numbers to estimate each processor's cost a month and over the months you choose, and its effective rate. Interchange-plus pricing uses our interchange table; what your customers pay with dual pricing or a surcharge is shown apart.

Your card sales

Start from a typical restaurant

Paid online (%)

Keyed in by hand (%)

The rest is paid in person (tap, chip or swipe).

Paid with debit cards (%)

Card networks don't allow surcharging debit cards.

Paid with American Express (%)

Debit from large banks (% of debit)

These cards have a capped interchange (Reg II).

Sales you choose to get paid out instantly (%)

Only processors that charge for instant payouts add a cost here.

Monthly card sales, all locations (USD)

Average ticket (USD)

Locations

Card terminals per location

Months to compare

Cancel in month (optional)

Adds the early termination fee if you leave in that month.

They count for fees billed per device. Equipment prices are only added if you turn it on below.

Add equipment (buying or leasing your terminals)

Off: processing and fees only. A lease you can't cancel also adds its remaining payments to the cost of leaving.

Your state (for surcharge rules)

Picking a state applies its surcharge rules to the estimates: where a credit card surcharge isn't allowed, that processor is priced at its regular card rates.

Surcharge rules by state

Use dual pricing when the vendor offers it

On: for vendors that publish a dual pricing, surcharge or cash discount program, the cards the program covers cost your restaurant $0 and your customers pay the difference, shown in its own column. A surcharge only covers credit cards, so debit still costs your restaurant the card rate. Turn it off to see the regular card rates.

Assumptions

Interchange-plus and subscription pricing use our interchange table for restaurants (version 2026-10-02), which includes estimates.
Card network fees added to interchange-plus pricing: 0.18% (an estimate).
Your own statement is the best source: it shows your real card mix and what each fee costs.
This isn't financial or legal advice.

Lowest estimate for your numbers: Dharma Merchant Services, $2,866 over 12 months.

Estimated cost over 12 months with your numbers
Product	You pay (12 mo)	Your customers pay
Dharma Merchant ServicesCredit card surcharge: $0 on credit, debit at the card rate See the breakdown Card processing in person (the processor's rates)$491 Card processing online (the processor's rates)$37 Keyed-in card processing (the processor's rates)$37 Interchange and card network fees (estimate from our table)$1,718 Credit card processing covered by the surcharge: $0 for your restaurant (your customers pay it)$0 Credit card processing the surcharge can't cover (it's capped at 3%)$43 Monthly fee$240 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 MX Advantage surcharge program$300 Surcharge your customers pay on credit cards (MX Advantage) (paid by your customers)$5,969 PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Account closure fee: only applies in some cases, not included. Interchange-plus and subscription pricing add the interchange the card's bank charges and the card networks' fees to the processor's markup. We use our versioned interchange table for restaurants, which includes estimates: your statement shows the real amounts. A credit card surcharge can't be more than what the card costs you, nor more than 3% under card network rules (Visa, in the US). Your restaurant pays the part of the vendor's rate the surcharge doesn't cover. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. The vendor's program only lets you surcharge credit cards (card network rules don't allow surcharging debit), so your restaurant still pays the vendor's card rate on debit sales. We estimate the debit share of card sales; see the methodology. What your customers pay through dual pricing or a surcharge is shown apart and is not added to your total.	$2,866$239 a month · 0.8% effective rateIncludes $1,718 of interchange and network fees	$5,9693% of card sales
HelcimCredit card surcharge: $0 on credit, debit at the card rate See the breakdown Card processing in person (the processor's rates)$815 Card processing online (the processor's rates)$87 Keyed-in card processing (the processor's rates)$87 Interchange and card network fees (estimate from our table)$1,718 Credit card processing covered by the surcharge: $0 for your restaurant (your customers pay it)$0 Credit card processing the surcharge can't cover (it's capped at 3%)$344 Monthly account fee$0 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 Fee Saver surcharge your customers pay on credit cards (paid by your customers)$6,269 PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Interchange-plus and subscription pricing add the interchange the card's bank charges and the card networks' fees to the processor's markup. We use our versioned interchange table for restaurants, which includes estimates: your statement shows the real amounts. A credit card surcharge can't be more than what the card costs you, nor more than 3% under card network rules (Visa, in the US). Your restaurant pays the part of the vendor's rate the surcharge doesn't cover. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. The vendor's program only lets you surcharge credit cards (card network rules don't allow surcharging debit), so your restaurant still pays the vendor's card rate on debit sales. We estimate the debit share of card sales; see the methodology. What your customers pay through dual pricing or a surcharge is shown apart and is not added to your total.	$3,051$254 a month · 0.85% effective rateIncludes $1,718 of interchange and network fees Promotions (if you qualify) Buyout of your current contract: Up to $500Not subtractedNot subtracted: it pays toward what leaving your current provider costs you, which this estimate does not include. Conditions for Buyout of your current contract, Helcim Credit on your Helcim processing fees for the cancellation or equipment lease termination fees your previous processor charges you, up to $500. You close the old account and send Helcim its final statement; the credit is usually applied within 1 to 2 billing cycles.The vendor publishes no end date. We take it down if we can't re-check it within 30 days. Shown apart from the 36-month cost and the order here. The RTC Score counts promotions on their own, only for our reference restaurant.	$6,2693% of card sales
North (Payanywhere)Credit card surcharge: $0 on credit, debit at the card rate See the breakdown Plan: Pay as you go$0 Card processing in person (the processor's rates)$3,486 Card processing online (the processor's rates)$290 Keyed-in card processing (the processor's rates)$290 Credit card processing covered by the surcharge: $0 for your restaurant (your customers pay it)$0 Credit card processing the surcharge can't cover (it's capped at 3%)$223 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Inactivity fee: only applies in some cases, not included. Administrative closure fee: only applies in some cases, not included. A credit card surcharge can't be more than what the card costs you, nor more than 3% under card network rules (Visa, in the US). Your restaurant pays the part of the vendor's rate the surcharge doesn't cover. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. The vendor's program only lets you surcharge credit cards (card network rules don't allow surcharging debit), so your restaurant still pays the vendor's card rate on debit sales. We estimate the debit share of card sales; see the methodology. What your customers pay with this program: not published (the vendor does not publish the percentage).	$4,290$358 a month · 1.19% effective rate	Not published
AdyenCredit card surcharge: $0 on credit, debit at the card rate See the breakdown Card processing in person (the processor's rates)$1,259 Card processing online (the processor's rates)$70 Keyed-in card processing (the processor's rates)$70 Interchange and card network fees (estimate from our table)$1,718 Credit card processing covered by the surcharge: $0 for your restaurant (your customers pay it)$0 Credit card processing the surcharge can't cover (it's capped at 3%)$1,192 Monthly fee$0 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 Surcharge your customers pay on credit cards (paid by your customers)$6,480 PCI non-compliance fee: only applies in some cases, not included. Minimum invoice: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Interchange-plus and subscription pricing add the interchange the card's bank charges and the card networks' fees to the processor's markup. We use our versioned interchange table for restaurants, which includes estimates: your statement shows the real amounts. A credit card surcharge can't be more than what the card costs you, nor more than 3% under card network rules (Visa, in the US). Your restaurant pays the part of the vendor's rate the surcharge doesn't cover. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. The vendor's program only lets you surcharge credit cards (card network rules don't allow surcharging debit), so your restaurant still pays the vendor's card rate on debit sales. We estimate the debit share of card sales; see the methodology. What your customers pay through dual pricing or a surcharge is shown apart and is not added to your total.	$4,309$359 a month · 1.2% effective rateIncludes $1,718 of interchange and network fees	$6,4803% of card sales
U.S. Bank Payment Solutions (Elavon)Credit card surcharge: $0 on credit, debit at the card rate See the breakdown Plan: Mobile$0 Card processing in person (the processor's rates)$3,814 Card processing online (the processor's rates)$299 Keyed-in card processing (the processor's rates)$283 Credit card processing covered by the surcharge: $0 for your restaurant (your customers pay it)$0 Credit card processing the surcharge can't cover (it's capped at 3%)$225 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. A credit card surcharge can't be more than what the card costs you, nor more than 3% under card network rules (Visa, in the US). Your restaurant pays the part of the vendor's rate the surcharge doesn't cover. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. The vendor's program only lets you surcharge credit cards (card network rules don't allow surcharging debit), so your restaurant still pays the vendor's card rate on debit sales. We estimate the debit share of card sales; see the methodology. What your customers pay with this program: not published (the vendor does not publish the percentage).	$4,621$385 a month · 1.28% effective rate Promotions (if you qualify) Without promotions: $4,621With promotions: $4,221 Signing bonus: $400Applies with your numbers Conditions for Signing bonus, U.S. Bank Payment Solutions (Elavon) A $400 statement credit for a new U.S. Bank Payment Solutions account opened between September 28, 2026 and January 13, 2027 that settles at least $5,000 within 60 days of approval; it's applied within 60 days after reaching $5,000 if the account is open and in good standing. Not for merchants already processing with U.S. Bank or Elavon; some business types are excluded; one per merchant ID.Ends Jan 13, 2027 Shown apart from the 36-month cost and the order here. The RTC Score counts promotions on their own, only for our reference restaurant.	Not published
FinixCredit card surcharge: $0 on credit, debit at the card rate See the breakdown Card processing in person (the processor's rates)$555 Card processing online (the processor's rates)$31 Keyed-in card processing (the processor's rates)$31 Interchange and card network fees (estimate from our table)$1,718 Credit card processing covered by the surcharge: $0 for your restaurant (your customers pay it)$0 Credit card processing the surcharge can't cover (it's capped at 3%)$28 Monthly membership fee$3,000 PCI compliance fee$0 Statement fee$0 1099-K form (yearly)$3 Fee per settlement batch$0 Surcharge your customers pay on credit cards (paid by your customers)$6,135 PCI non-compliance fee: only applies in some cases, not included. Dispute fee: only applies in some cases, not included. Interchange-plus and subscription pricing add the interchange the card's bank charges and the card networks' fees to the processor's markup. We use our versioned interchange table for restaurants, which includes estimates: your statement shows the real amounts. A credit card surcharge can't be more than what the card costs you, nor more than 3% under card network rules (Visa, in the US). Your restaurant pays the part of the vendor's rate the surcharge doesn't cover. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. The vendor's program only lets you surcharge credit cards (card network rules don't allow surcharging debit), so your restaurant still pays the vendor's card rate on debit sales. We estimate the debit share of card sales; see the methodology. What your customers pay through dual pricing or a surcharge is shown apart and is not added to your total.	$5,365$447 a month · 1.49% effective rateIncludes $1,718 of interchange and network fees	$6,1353% of card sales
SquareCredit card surcharge: $0 on credit, debit at the card rate See the breakdown Plan: Square Free$0 Card processing in person (the processor's rates)$3,925 Card processing online (the processor's rates)$748 Keyed-in card processing (the processor's rates)$707 Credit card processing covered by the surcharge: $0 for your restaurant (your customers pay it)$0 Credit card processing the surcharge can't cover (it's capped at 3%)$56 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. A credit card surcharge can't be more than what the card costs you, nor more than 3% under card network rules (Visa, in the US). Your restaurant pays the part of the vendor's rate the surcharge doesn't cover. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. The vendor's program only lets you surcharge credit cards (card network rules don't allow surcharging debit), so your restaurant still pays the vendor's card rate on debit sales. We estimate the debit share of card sales; see the methodology. What your customers pay with this program: not published (the vendor does not publish the percentage).	$5,436$453 a month · 1.51% effective rate Promotions (if you qualify) Signing bonus: Up to $12,000Not subtractedNot subtracted: it is a maximum, and the actual amount depends on your case. Conditions for Signing bonus, Square A credit of up to $1,000 a month on your Sysco invoices, paid by Square, for up to 12 months after you switch. Only for businesses that are not Square customers yet, switch to Square and buy from Sysco (more than 100 cases a month in the last quarter, or new to Sysco). The monthly amount depends on your yearly card volume through Square, and Square does not publish the tiers, so $12,000 is a maximum. It is a credit on food purchases, not cash, and it does not pay your current provider's early termination fee. Square calls it a limited-time offer and publishes no end date.The vendor publishes no end date. We take it down if we can't re-check it within 30 days. Shown apart from the 36-month cost and the order here. The RTC Score counts promotions on their own, only for our reference restaurant.	Not published
PayPal POS See the breakdown Card processing in person (the processor's rates)$8,253 Card processing online (the processor's rates)$790 Keyed-in card processing (the processor's rates)$674 Monthly account fee$0 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Dispute fee (payments through a PayPal account): only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals.	$9,717$810 a month · 2.7% effective rate	Nothing
Stripe See the breakdown Card processing in person (the processor's rates)$9,211 Card processing online (the processor's rates)$676 Keyed-in card processing (the processor's rates)$766 Monthly account fee$0 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 Cards issued outside the US: only applies in some cases, not included. Tap to Pay on a phone: only applies in some cases, not included. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Fee for responding to a dispute: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals.	$10,653$888 a month · 2.96% effective rate	Nothing
Chase Payment Solutions See the breakdown Plan: QuickAccept$0 Card processing in person (the processor's rates)$9,350 Card processing online (the processor's rates)$651 Keyed-in card processing (the processor's rates)$681 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals.	$10,682$890 a month · 2.97% effective rate Promotions (if you qualify) Without promotions: $10,682With promotions: $10,582 Discount: $100Applies with your numbers Conditions for Discount, Chase Payment Solutions $100 off the Chase POS Terminal with code POS100 at checkout, for a limited time; Chase publishes no end date. QuickAccept customers only.The vendor publishes no end date. We take it down if we can't re-check it within 30 days. Shown apart from the 36-month cost and the order here. The RTC Score counts promotions on their own, only for our reference restaurant.	Nothing
SumUp See the breakdown Plan: Card readers or POS Lite$0 Card processing in person (the processor's rates)$9,350 Card processing online (the processor's rates)$707 Keyed-in card processing (the processor's rates)$707 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals.	$10,764$897 a month · 2.99% effective rate	Nothing
Shopify Payments See the breakdown Plan: Basic$468 Card processing in person (the processor's rates)$9,350 Card processing online (the processor's rates)$687 Keyed-in card processing (the processor's rates)$681 PCI compliance fee$0 Statement fee$0 Annual fee$0 Fee per settlement batch$0 PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. POS Pro (optional): only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals.	$11,186$932 a month · 3.11% effective rate	Nothing
Wells Fargo Merchant Services See the breakdown Plan: Clover Starter$0 Card processing in person (the processor's rates)$9,813 Card processing online (the processor's rates)$707 Keyed-in card processing (the processor's rates)$707 Merchant account fee$119 PCI Compliance Program fee$120 Statement fee$0 Annual fee$0 Fee per settlement batch$0 Clover software for each additional device$0 PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals.	$11,466$956 a month · 3.19% effective rate	Nothing
Bank of America Merchant ServicesIncomplete See the breakdown Plan: Starter$120 Card processing in person (the processor's rates)$9,512 Card processing online (the processor's rates)$692 Keyed-in card processing (the processor's rates)$707 PCI compliance fee: not published. Statement fee: not published. Annual fee: not published. Fee per settlement batch: not published. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals.	Can't be estimated	—
CardConnectIncompleteCredit card surcharge: $0 on credit, debit at the card rate	Can't be estimated	Not published
CloverIncompleteDual pricing: $0 processing for your restaurant See the breakdown Card processing covered by dual pricing or a cash discount: $0 for your restaurant (your customers pay it)$0 Monthly maintenance and platform fees: not published. Annual compliance (PCI) fee: not published. Statement fee: not published. Annual maintenance fee: not published. Fee per settlement batch: not published. PCI non-compliance fee: only applies in some cases, not included. Account minimum fee: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. What your customers pay with this program: not published (the vendor does not publish the percentage).	Can't be estimated Promotions (if you qualify) Signing bonus: $450Applies with your numbers Conditions for Signing bonus, Clover A $450 statement credit for new merchants who have never had a Clover account or processed with First Data. You must apply online at clover.com, buy a Clover hardware or software subscription that includes a Flex, Flex Pocket, Mini, Station Solo or Station Duo, be credit approved by January 31, 2027, submit a batch of at least $25 within 30 days of approval and process at least $10,000 in card sales within the first four billing cycles. It requires a 3-year contract, there is one per business relationship, it cannot be combined with other offers, and Clover decides who qualifies and can change it without notice. It is a credit for new merchants, not a payment of your current provider's early termination fee.Ends Dec 31, 2026 Shown apart from the 36-month cost and the order here. The RTC Score counts promotions on their own, only for our reference restaurant.	Not published
HeartlandIncompleteDual pricing: $0 processing for your restaurant See the breakdown Card processing covered by dual pricing or a cash discount: $0 for your restaurant (your customers pay it)$0 Monthly Service and Regulatory Mandate fee: not published. PCI compliance fee: not published. Statement fee: not published. Annual fee: not published. Fee per settlement batch: not published. Heartland surcharge program (paid by your customers): only applies in some cases, not included. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Voice authorization: only applies in some cases, not included. Equipment agreement cancellation: only applies in some cases, not included. Returned ACH item: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. What your customers pay with this program: not published (the vendor does not publish the percentage).	Can't be estimated Promotions (if you qualify) Signing bonus: Up to $1,560Not subtractedNot subtracted: it is a maximum, and the actual amount depends on your case. Conditions for Signing bonus, Heartland Global Payments' offer for Genius, the brand under which it now sells Heartland's restaurant POS. New merchants that buy Genius and qualify get a statement credit equal to their discount rate (at most 2.6%) times their qualifying card volume (at most $1 million) in the first two months after activation, up to $26,000. The credit only offsets Global Payments processing fees, not hardware, software or third-party fees, and it is posted within 90 days after the promotional period. Limited to the first 50 eligible merchants, through December 18, 2026, and Global Payments decides what volume qualifies. If you end the agreement during the first year, an early termination fee equal to the credit applies.Ends Dec 18, 2026 Shown apart from the 36-month cost and the order here. The RTC Score counts promotions on their own, only for our reference restaurant.	Not published
Merchant OneIncomplete See the breakdown Monthly fee$167 Setup fee$0 In-person rate, qualified cards: quote only. Online card rate: not published. Keyed-in rate, non-qualified cards: not published. PCI compliance fee: not published. Statement fee: not published. Annual fee: not published. Fee per settlement batch: not published. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum processing fee: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Tiered pricing: we split your in-person sales between the vendor's qualified, mid-qualified and non-qualified rates with an estimate (see the methodology), and price online and keyed sales as non-qualified. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals.	Can't be estimated	—
Payment DepotIncompleteCredit card surcharge: $0 on credit, debit at the card rate See the breakdown Fee per settlement batch$0 In-person markup over interchange: quote only. Online and keyed-in markup over interchange: quote only. Monthly account fee: quote only. PCI compliance fee: not published. Statement fee: not published. Annual fee: not published. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. The vendor's program only lets you surcharge credit cards (card network rules don't allow surcharging debit), so your restaurant still pays the vendor's card rate on debit sales. We estimate the debit share of card sales; see the methodology. What your customers pay with this program: not published (the vendor does not publish the percentage).	Can't be estimated	Not published
PayrocIncompleteDual pricing: $0 processing for your restaurant See the breakdown Card processing covered by dual pricing or a cash discount: $0 for your restaurant (your customers pay it)$0 Monthly account fee: quote only. PCI compliance fee: quote only. Statement fee: quote only. Annual renewal fee: quote only. Fee per batch: quote only. RewardPay Choice surcharge (paid by your customers): only applies in some cases, not included. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Unreturned equipment, per piece: only applies in some cases, not included. Returned debit (NSF): only applies in some cases, not included. Secured creditor notice (UCC fee): only applies in some cases, not included. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. What your customers pay with this program: not published (the vendor does not publish the percentage).	Can't be estimated	Not published
PaysafeIncompleteDual pricing: $0 processing for your restaurant See the breakdown Card processing covered by dual pricing or a cash discount: $0 for your restaurant (your customers pay it)$0 Monthly account fee: not published. PCI compliance fee: not published. Statement fee: not published. Annual fee: not published. Fee per settlement batch: not published. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. What your customers pay with this program: not published (the vendor does not publish the percentage).	Can't be estimated	Not published
pmtboxIncomplete	Can't be estimated	—
Priority CommerceIncompleteDual pricing: $0 processing for your restaurant See the breakdown Card processing covered by dual pricing or a cash discount: $0 for your restaurant (your customers pay it)$0 Monthly account fee: quote only. PCI compliance fee: quote only. Statement fee: quote only. Annual fee: quote only. Fee per settlement batch: quote only. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. What your customers pay with this program: not published (the vendor does not publish the percentage).	Can't be estimated	Not published
Shift4IncompleteDual pricing: $0 processing for your restaurant See the breakdown Card processing covered by dual pricing or a cash discount: $0 for your restaurant (your customers pay it)$0 Annual Program Fee$250 Regulatory Assurance Fee$190 Debit enablement fee ($20 per quarter)$80 Statement fee$0 Batch header fee$144 Advantage Program (dual pricing, paid by your customers) (paid by your customers)$14,400 Monthly Administration Fee: quote only. Monthly Premium Support & Service Fee: quote only. Month End Billing (monthly instead of daily billing): only applies in some cases, not included. Inactivity fee: only applies in some cases, not included. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum fee: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. What your customers pay through dual pricing or a surcharge is shown apart and is not added to your total.	Can't be estimated	$14,4004% of card sales
SpotOn PaymentsIncompleteDual pricing: $0 processing for your restaurant See the breakdown Plan: All-In$0 Card processing covered by dual pricing or a cash discount: $0 for your restaurant (your customers pay it)$0 PCI compliance fee: quote only. Statement fee: quote only. Annual fee: quote only. Fee per settlement batch: quote only. PCI non-compliance fee: only applies in some cases, not included. Monthly processing minimum (All-In): only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Account Closure Fee (processing agreement): only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. What your customers pay with this program: not published (the vendor does not publish the percentage).	Can't be estimated	Not published
StaxIncompleteCredit card surcharge: $0 on credit, debit at the card rate See the breakdown Card processing in person (the processor's rates)$2,546 Card processing online (the processor's rates)$141 Keyed-in card processing (the processor's rates)$141 Credit card processing covered by the surcharge: $0 for your restaurant (your customers pay it)$0 Credit card processing the surcharge can't cover (it's capped at 3%)$28 PCI platform fee (monthly)$120 Fee per settlement batch$0 CardX surcharge your customers pay on credit cards (paid by your customers)$5,638 Plan Stax Pay above $250,000 a year: quote only. Statement fee: could not be determined. Annual fee: not published. Surcharge platform fee (CardX program): not published. PCI non-compliance fee: only applies in some cases, not included. Minimum bill in months without sales: only applies in some cases, not included. Dispute fee: only applies in some cases, not included. A credit card surcharge can't be more than what the card costs you, nor more than 3% under card network rules (Visa, in the US). Your restaurant pays the part of the vendor's rate the surcharge doesn't cover. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. The vendor's program only lets you surcharge credit cards (card network rules don't allow surcharging debit), so your restaurant still pays the vendor's card rate on debit sales. We estimate the debit share of card sales; see the methodology. What your customers pay through dual pricing or a surcharge is shown apart and is not added to your total.	Can't be estimated	$5,6383% of card sales
Toast PaymentsIncompleteDual pricing: $0 processing for your restaurant See the breakdown Card processing covered by dual pricing or a cash discount: $0 for your restaurant (your customers pay it)$0 Toast Dual Pricing (paid by your customers) (paid by your customers)$14,400 Monthly processing fee: quote only. PCI compliance fee: not published. Statement fee: not published. Annual fee: not published. Fee per settlement batch: not published. PCI non-compliance fee: only applies in some cases, not included. Monthly Minimum Processing Fee: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. Equipment isn't included: turn it on to add the purchase or monthly lease of your terminals. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. What your customers pay through dual pricing or a surcharge is shown apart and is not added to your total.	Can't be estimated Promotions (if you qualify) DiscountNot subtractedNot subtracted: we cannot confirm the amount. Conditions for Discount, Toast Payments Joint offer from Toast and Uber, limited time with no published end date: 60% off the Toast hardware in your first order and 12 months without the monthly fee for a Digital Storefront tier and the Uber Eats integration. Only for businesses with fewer than 15 locations that are new to Toast, are referred between Toast and Uber, and sign a Toast Merchant Agreement; businesses new to both also sign an Uber Eats agreement. Uber adds credits toward Uber Eats ads and offers ($5,000 if you are new to both, $1,500 if you already use Uber Eats), applied as discounts on Uber fees over 3 months, not as cash. It cannot be redeemed for cash, it is not a payment of your current provider's early termination fee, and Toast and Uber can end it at any time.The vendor publishes no end date. We take it down if we can't re-check it within 30 days. Shown apart from the 36-month cost and the order here. The RTC Score counts promotions on their own, only for our reference restaurant.	$14,4004% of card sales
WorldpayIncompleteCredit card surcharge: $0 on credit, debit at the card rate	Can't be estimated	Not published
Xplor Pay (formerly Clearent)IncompleteDual pricing: $0 processing for your restaurant See the breakdown Card processing covered by dual pricing or a cash discount: $0 for your restaurant (your customers pay it)$0 Monthly account fee: quote only. PCI compliance fee: not published. Statement fee: quote only. Annual fee: quote only. Fee per settlement batch: quote only. PCI non-compliance fee: only applies in some cases, not included. Monthly minimum: only applies in some cases, not included. Chargeback fee: only applies in some cases, not included. With the vendor's dual pricing or surcharge program, your customers pay the card processing cost, so card processing costs your restaurant $0 and what your customers pay is shown apart. Card network rules and state laws apply, and some states limit or ban surcharges. What your customers pay with this program: not published (the vendor does not publish the percentage).	Can't be estimated	Not published

What your customers pay with the processor's dual pricing, cash discount or surcharge program. It's never added to your cost. Card network rules and state laws apply.

Estimates from published rates and terms and our interchange table. Your statement shows what you really pay; your quote can differ, so check it before you sign. This isn't financial or legal advice.

Estimates based on the rates, fees and contracts in our catalog (each vendor's own site unless the source says otherwise), our versioned interchange table and our reference assumptions. Prices you can only get with a quote are flagged, never counted as $0. This isn't financial advice: your statement and your contract decide what you pay.

The calculator splits your card sales by channel (in person, online, keyed in) and by card type (credit, debit from large banks, debit from smaller banks, American Express), and applies each processor's published rate to each part. For interchange-plus and subscription pricing it adds the interchange and card network fees from our versioned table, which includes estimates. Then it adds the monthly, yearly, per-device and per-batch fees.

With dual pricing on, a processor that publishes a program costs your restaurant nothing on the cards the program covers, and what your customers pay shows in its own column. A surcharge only covers credit cards. Choose your state to see the rules that apply to it.

Your monthly statement is the best source for your real card mix and fees: use it to adjust the numbers. Estimates aren't quotes, and this isn't financial advice.

How we score Card processing for restaurants, compared