Payment Processing Calculator

Estimate your processing costs. See what could change.

Enter a few details from your current payment setup to estimate your monthly processing costs and compare them with an illustrative dual-pricing setup.

Sales Information

Start with the two numbers that define your monthly processing activity.

Monthly card sales ($)

Average ticket ($)

Current Processing Costs

Use your current statement if you have it available.

Effective processing rate (%)

Tip: Divide total monthly processing fees by monthly card sales, then multiply by 100.

Per-transaction fee ($) optional

Monthly fees ($) optional

Illustrative Dual-Pricing Setup

Adjust these fields if you have a specific setup you want to model.

Customer pricing difference ($) optional

Used only to estimate the customer-side pricing difference across monthly transactions.

Merchant per-transaction cost ($) optional

Illustrative monthly fee ($)

This is an illustrative input, not a quote or guarantee of pricing.

Estimated Results

Your potential processing savings

Your estimate will appear here. Complete the required fields and select “Calculate My Estimate.”

Estimated monthly savings

$0.00

$0.00 estimated annual savings

Current est. monthly cost $0.00

Dual-pricing est. merchant cost $0.00

Estimated transactions 0

Customer pricing difference $0.00

Estimates are directional and based only on the information entered. Actual pricing, savings, availability, and results vary by business type, transaction mix, location, card mix, program configuration, and processor requirements.

Want NRG to review the numbers?

Send this estimate to our team, or use the statement-review page for a closer look at your actual costs.

How to read the estimate

A useful starting point, not a processing quote.

The calculator simplifies a few common cost inputs so you can get a directional comparison before reviewing the actual statement.

Effective rate matters.

Your effective rate compares total processing expense with the card volume processed during the same period.

Statements show the details.

Monthly fees, transaction charges, gateways, equipment, and other costs may not be reflected in a quoted headline rate.

Dual pricing is only one option.

NRG can also review traditional processing, Square, and other payment setups based on how your business operates.

Want a closer look?

Send us your statement and let us review the actual numbers.

NRG can help you understand your effective rate, recurring fees, transaction costs, and what may be worth improving.

Review My Statement → Learn About Dual Pricing →