Free Tool
Effective Rate Calculator
Your effective rate is the only number that tells the truth. Grab last month's statement, pull two figures, and see where you actually stand.
Two numbers from your statement: total fees charged and total card volume processed.
Tip: include all fees — discount, per-transaction, monthly, PCI, statement, batch, network. That's the honest number.
Your effective rate
2.90%
Bonita benchmark2.40%
Likely overpayment0.50 pts
Illustrative only. The benchmark is illustrative for card-present retail. Estimates are illustrative only and not a guarantee of savings, pricing, or approval. Subject to underwriting, processor rules, and signed agreement terms.
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We'll do the line-item review for free.
Send us the statement these numbers came from. We'll come back with what's fair, what's junk, and what to negotiate.