Work out pos transaction fee instantly with clear inputs, formula shown and shareable results.
Card acceptance costs combine an ad valorem rate with a fixed fee per transaction. The fixed element dominates for low-value baskets: at a 2.50 fixed fee, a 100 transaction pays an effective rate above 4% regardless of the headline percentage.
Total fees
Total = Volume x Percentage rate + Transactions x Fixed fee
Effective rate
Effective % = Total fees / Volume x 100
Raise average basket value, steer low-value payments to cheaper rails, and negotiate interchange-plus pricing rather than blended rates.
It depends on jurisdiction and card scheme rules. Many markets prohibit or cap surcharging on consumer cards.