Free Tool · 20 Seconds
What are you really paying to accept cards?
Most merchants can't answer this. Enter three numbers from any month's statement and we'll show you your effective rate — the only number that actually matters — benchmarked against your industry.
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Your effective rate
A well-optimized business in your category typically runs around
2.5%. Here's where you land:
1.5%2.5%3.5%4.5%+
See what that's costing you →
Your dollar figure + a free line-by-line review of your actual statement. No obligation — if your rate's already clean, we'll tell you and leave.
Estimated overpayment
$0 / month
about $0 a year left on the table
This is a directional estimate based on the effective-rate gap for your category — not a quote. Interchange itself (≈1.5–2.0%) can't be removed; the recoverable portion is the markup above it. The only way to know the real number is a line-by-line look at your statement, which is exactly what we'll do. We'll be in touch within one business day.