See what you'd actually pay.
Enter your monthly card volume and average ticket below to compare, in real time, what your business would pay under flat-rate pricing versus interchange-plus pricing, and see which one fits you best.
Interchange and card brand fees at cost, plus 0.50% + $0.10.
Interchange is what the card networks charge, and it is the same for us as it is for anyone. We pass it through at cost, along with the card brand fees, and add one published rate on top. No blended percentage, no spread we keep quietly.
Your all-in rate depends on your card mix, average ticket, and volume. Any estimate shown here assumes a typical card mix, so treat it as an estimate, not a quote. Send a recent statement and we will tell you your actual number before you sign anything.
Interchange-plus vs flat-rate
Enter your monthly numbers and the two pricing models below. Edit any rate to match what you pay now. The numbers update as you type.
Most merchants run a mix of cards. Send us a statement and we'll show you your real cost. Talk to Sales
How the math works: interchange is set by the card networks (Visa, Mastercard, and others) and varies by card type and how the card is accepted, so your real interchange-plus cost depends on your actual card mix. The interchange fields above are editable estimates. Interchange has a per-item fee as well as a percentage, so both are counted: the defaults, 1.65% and $0.10, are roughly a Visa Signature card, while regulated debit is nearer 0.05% + $0.21. Card brand assessments of about 0.14% plus about two cents per authorization are also included in the interchange-plus total and passed through at cost. Flat-rate defaults to a common online rate of 2.9% + $0.30, enter your own rate to compare. Figures are estimates only, exclude any monthly platform fees on either side, and are not a quote.
Fee Calculator FAQ.
Ready to talk pricing?
CoreGateway is $15/month plus interchange-plus, API, hosted page, vault, and recurring billing included. See the full pricing or book a 30-minute walkthrough.