EDPS
Peace of Mind Processing
866-578-9740 | goedps.com

What’s My Effective Rate?

Find out what you’re actually paying to accept credit cards.

Enter two numbers from your merchant statement. No name, email or phone number required.

Effective Rate Calculator

Enter the total processed volume and total fees paid from the merchant statement.

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YOUR EFFECTIVE RATE
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Enter your numbers above and tap Calculate.

What Does Your Effective Rate Mean?

Your effective rate is a simple way to understand your total card-processing cost as a percentage of your processed volume.

Effective Rate = Total Processing Fees ÷ Total Card Processing Volume × 100

Is Your Effective Rate Good or Bad?

The percentage alone doesn’t answer that. Card mix, transaction size, how cards are accepted and your pricing structure can all affect the number. Understanding the fees behind the percentage provides the useful comparison.

Want to Know What’s Behind Your Rate?

Your effective rate tells you what you’re paying. Your processing statement helps explain why.

No obligation. If your current pricing looks good, we’ll tell you that too.