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Fee Calculator · Interchange-Plus vs Flat

Tap-to-Pay Fee Calculator. See what you'd actually pay.

Enter your monthly card volume and average ticket to compare flat-rate pricing against interchange-plus in real time.

$0a month
CoreMobile
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Tacos$4.00
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Fries$3.00
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Drink$2.50
Total$9.50
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•••• 4242
What you'll actually pay

No monthly fee, no setup fee, no contract.

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.

$0/moNo monthly fee, ever
0.50% + $0.10Our markup. Published.
Pass-throughInterchange + card brand fees, at cost

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.

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.
%
$
\$297.50
Estimated per month
Interchange-plus
True card cost plus a small, fixed markup, passed through per card.
%
$
%
$
\$258.38
Estimated per month
Estimated savings with interchange-plus
\$26.62/ month
Across a full year
\$319.50

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 in-person rate of 2.6% + $0.15, enter your own rate to compare. Figures are estimates only and are not a quote. CoreMobile has no monthly fee; other providers may charge one.

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% + $0.10 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. CoreCause has no monthly platform fee.
How much does CoreMobile cost?
CoreMobile is $0/month plus interchange + 0.50% + $0.10 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% + $0.10 · $0/month · No setup fee

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

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