Processing statement analyzer.
Enter three numbers from one monthly statement: card volume, number of transactions and total fees. The analyzer calculates your effective rate, estimates the pass-through floor for your card mix, shows the share that is provider markup, and flags common avoidable fees. Calculator values stay in your browser unless you choose to include them with a review request.
Use one full month of numbers.
Totals are usually on the first page of your statement. Include every fee.
Your results
pass-through floor typical markup band you
Planning assumptions shown below. Actual interchange depends on card brand, card type, ticket size and how transactions are submitted. A line-by-line review of your statement is the only way to know exactly.
The formulas and assumptions, in the open.
Effective rate = total fees ÷ total card volume. This is the single best number for comparing providers because it captures every fee, not just the headline rate.
Pass-through floor is our estimate of what the card networks and issuers charge before any provider markup. We blend two assumptions by your debit share:
- Credit cards: about 2.25% + $0.10 per transaction card-not-present, or 1.85% + $0.10 card-present, as a blended planning average across Visa and Mastercard consumer and rewards cards. We lean conservative so savings are not overstated.
- Debit cards: a blend of 60% regulated debit at the Regulation II cap for large issuers ($0.21 + 0.05% + a $0.01 fraud adjustment, subject to the October 26, 2026 Eighth Circuit ruling) and 40% exempt small-issuer debit at about 1.60% + $0.15.
- Network assessments and fees: about 0.14% of volume plus $0.02 per transaction.
Estimated markup = your total fees minus the pass-through floor. We compare it with a typical markup band: 0.30% to 0.80% + up to $0.10 per transaction for standard merchants, 0.40% to 1.00% for B2B, and 1.00% to 2.25% + up to $0.25 for high-risk merchants. These bands are owner-confirmed Rebar field observations. They are not quotes or guarantees; actual pricing depends on underwriting.
Possible yearly savings = (your markup − top of the typical band) × 12, shown only when you are above the band. Flat-rate plans often look expensive here because they bundle everything; they can still be the right choice for very small or very simple businesses.
| Fee | Why it matters |
|---|---|
| PCI non-compliance fee | Charged when your annual PCI questionnaire is missing. Usually avoidable by completing it. |
| Statement or paper statement fee | A monthly charge for producing a statement. Many providers include statements at no cost. |
| Annual or membership fee | A once-a-year account fee that often appears without notice. |
| Monthly minimum fee | A top-up charge when your processing fees fall below a set amount. |
| "Regulatory" or "compliance" fee | A provider-set fee with an official-sounding name. It is not a card-network or government charge. |
| Per-batch or settlement fee | A fee each time you close a batch. Often a hidden per-day cost. |
| Non-qualified or mid-qualified surcharges | A sign of tiered pricing, where many transactions are pushed into more expensive buckets. |
| Early termination fee or liquidated damages | A contract penalty for leaving. Check your agreement before switching. |
Statement questions, answered.
What is a good effective rate for credit card processing?
Effective rate is total fees divided by total card volume. For many US card-not-present businesses on interchange-plus pricing, a blended effective rate in the mid-2% to low-3% range is common, depending on card mix and average ticket. High-risk merchants typically pay more. The analyzer above estimates the pass-through floor for your mix so you can see how much of your rate is the provider's markup.
How do I calculate my effective processing rate?
Add every fee on your monthly statement, including interchange, network fees, markups, monthly and per-transaction fees, then divide by the total card volume processed that month. Multiply by 100 for a percentage. Use a full month and include all fees, not just the headline rate.
What are junk fees on a merchant statement?
Provider-set fees that do not correspond to card-network or issuer costs, such as PCI non-compliance fees, statement fees, annual fees, monthly minimums and fees labeled 'regulatory' or 'compliance'. Some are legitimate and disclosed; many are negotiable or avoidable.
Is interchange-plus pricing better than tiered pricing?
Interchange-plus separates the pass-through cost (interchange and network fees) from the provider's markup, so you can see and negotiate the markup. Tiered pricing groups transactions into qualified, mid-qualified and non-qualified buckets, which makes it harder to know what you pay above cost.
Did the debit interchange cap change in 2026?
On October 26, 2026, the Eighth Circuit affirmed a ruling that the Federal Reserve's Regulation II debit cap (21 cents plus 0.05% plus a 1-cent fraud adjustment for large issuers) was set improperly. The opinion affirmed the vacatur; it does not by itself set a new fee, and this page makes no claim about any settlement effect. This analyzer still uses the 21-cent cap as a planning assumption; check the status before negotiating.
Does Rebar see my statement data?
No. The analyzer runs in your browser and does not send your figures anywhere. Only if you request a review do we receive the summary you choose to send.
Where these facts come from.
These summaries come from the provided source dataset listed below and have not been independently verified by Rebar. Rules and enforcement change. We review this page at least quarterly and date every update. Confirm current requirements with your acquirer, card network rules and counsel before acting.
- U.S. Court of Appeals for the Eighth Circuit opinion, No. 25-3000 (Oct 26, 2026) · Primary source: affirmed the vacatur of the 21-cent Regulation II cap
- Fed loses debit card cap appeal (Payments Dive, Oct 2026) · Eighth Circuit ruling of Oct 26, 2026 on Regulation II
- District Court vacates Regulation II's debit interchange standard (Cooley, Aug 2025) · Background on the Corner Post case
- Average credit card processing fees and costs (The Motley Fool) · Market context for effective rates