What are you really paying to accept cards?
Grab last month’s merchant statement. Two numbers tell you your effective rate — the only processing number that matters.
From your statement
Effective rate = total fees ÷ total card volume. Ranges labelled here are general rules of thumb; what’s competitive depends on your card mix, ticket size and how you accept payments. Savings shown are hypothetical.
Why effective rate beats the advertised rate
Processors quote rates many ways — flat, tiered, interchange-plus — and add monthly, PCI, batch and statement fees on top. Dividing total fees by total volume cuts through all of it. If your number looks high, MCCPS will review your statement for free. Learn more in effective rate explained and how to read a merchant statement.
Ready to pay less to accept cards?
Send two statements. Get a line-by-line savings analysis — free, no obligation, 24/7 support.