Fee Calculator ยท Interchange-Plus vs Flat

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 - no hardware, no contracts.

Tap-to-pay in 2 - 3 seconds, faster than any card reader
Works on cellular. No festival Wi-Fi required
Nothing extra to charge, mount, or troubleshoot
No counter space needed, just your phone
CoreMobile
๐ŸŒฎ
Tacos$4.00
๐ŸŸ
Fries$3.00
๐Ÿฅค
Drink$2.50
Total$9.50
Tap card to pay
โ€ขโ€ขโ€ขโ€ข 4242
Fee Calculator

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.

Your monthly numbers
$
Total dollars you run through cards each month
$
Average dollar value of one sale
Flat-rate
One blended rate on every sale. Edit to match your current plan.
%
$
$285.00
Estimated per month
Interchange-plus
True card cost plus a small, fixed markup, passed through per card.
%
%
$
$252.50
Estimated per month
Estimated savings with interchange-plus
$32.50/ month
Across a full year
$390.00

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 field above is an editable estimate. Flat-rate defaults to a common in-person rate of 2.6% + $0.10 - enter your own rate to compare. Figures are estimates only, exclude any monthly platform fees on either side, and are not a quote.

Common Questions

Fee Calculator FAQs

How does this fee calculator work?
Enter your monthly card volume and average ticket. It estimates your cost on interchange-plus versus a typical flat rate and shows the difference.
What is interchange-plus pricing?
It splits a card fee into the interchange set by Visa and Mastercard plus a fixed processor markup. CoreMobile uses interchange + 0.50% + $0.15 per transaction.
Which pricing model is right for me - flat-rate or interchange-plus?
Flat-rate is one predictable number per sale, while interchange-plus passes through each card's true cost plus a fixed markup and tends to favor higher volume. Run your numbers above.
Are these numbers a quote?
No, they are estimates. Interchange varies by card type, so that field is editable, and the figures exclude the monthly platform fee. Talk to us for exact pricing on your volume.
How much does CoreMobile cost?
CoreMobile is $15/month for up to 5 users, plus interchange + 0.50% + $0.15 per transaction. No setup fee, no contracts, and no hardware to buy - your phone is the terminal.

Ready to see your numbers?

CoreMobile is interchange-plus pricing with no hardware, no setup fee, and no contracts. See exactly what your volume would cost and we'll help you pick what fits.

Interchange + 0.50% + $0.15 · $15/month for up to 5 users · No setup fee

New to interchange-plus? Read the guide to lowering your processing fees →

Get Started with CoreMobile

Complete this form and our team will have your account ready within 24 hours.

Business Information
Authorized Signer

Application Submitted!

Our team will review your information and have your account ready within 24 hours. Check your email for next steps.

Scan to download CoreMobile
Get the appDownload CoreMobileApp Store

Talk to Sales

Have a question? Drop us a note and we'll get back to you fast.

★★★★★
Trusted by AJGA, South Cheatham Little League, Payneless Tree Care, and more

Message sent!

Thanks for reaching out. Our team will get back to you within one business day.