Updated September 18, 2026
Credit card processing fee calculator
Estimate what you pay now on a published flat schedule (Stripe, Square, PayPal, or custom), then see an illustrative CDG Commerce comparison for your volume band. Every figure is an estimate. Nothing here is a quote, and we do not promise savings.
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Your volume and current fees
Enter monthly card volume and either average ticket or transaction count. Pick a channel and a public processor schedule, or enter a custom rate.
Default 1.80% for this channel. Interchange is assumed, not a quote. Change it to match your card mix.
Estimated monthly cost
About 667 transactions a month at $75 average. Figures are illustrative estimates, not a quote and not a savings promise.
| Attribute | Stripe | CDG Interchange Plus (illustrative) |
|---|---|---|
| Estimated monthly $ | $1,650 | $1,175 |
| Effective rate | 3.30% | 2.35% |
| Schedule used | 2.9% + $0.30 online (domestic cards) | IC + 0.35% + $0.15 (online) |
Current processor formula
$50,000.00 × 2.90% + 667 × $0.30
ESTIMATE from a published public schedule (or your custom numbers). Not your statement and not a quote.
CDG illustration formula
$50,000.00 × (1.80% assumed interchange + 0.35% markup) + 667 × $0.15
Illustrative only. Interchange is an assumption you can change, not CDG's quote. Card mix changes the real bill.
At $10k to $200k a month, CDG publishes Interchange Plus markups. The CDG column adds an assumed interchange to that markup so you can see an illustrative total.
Source: CDG Commerce pricing, checked Sep 17, 2026. CDG Flat Rate and Interchange Plus figures are copied from CDG's pricing pages.
Source: Stripe pricing, checked Sep 18, 2026. ESTIMATE from Stripe's public US standard schedule. International cards, keyed entry, and custom plans differ.
How to read the estimate
- Preset processor rates are copied from public fee pages and labeled ESTIMATE. Your statement can differ for international cards, keyed entry, plan upgrades, and add-ons.
- Under $10K a month, the CDG column uses published Flat Rate for the channel you picked.
- From $10K to $200K a month, the CDG column uses published Interchange Plus markup plus an interchange assumption you can change. That interchange is assumed, not quoted.
- At $200K+ a month, Wholesale Membership exists. We still show an Interchange Plus illustration and link to the pricing hub.
- If you already know your effective rate, turn on the override. That replaces preset math with volume times your rate.