POS Transaction Fee Calculator

Estimate monthly POS transaction and terminal costs from the exact fee terms and transaction pattern you enter.

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POS Transaction Fee Calculator

Monthly POS Fees
Daily Card Volume
Monthly Card Volume
Monthly Transaction Fees
Monthly Terminal Fee
Effective Rate on Volume
Annual POS Cost
The estimate applies one average transaction value and one entered fee schedule. Separate card types or fee tiers into distinct scenarios, and confirm taxes, chargebacks, hardware, settlement and minimum-volume terms.

Frequently Asked Questions

Payment comparison workflow

POS Transaction Fee Calculator: quick guide

Enter a written POS fee schedule and your average card transaction pattern.

  • What you get: capped per-transaction cost, monthly cost, annualized cost and effective rate.
  • How it works: percentage plus flat fee is capped per transaction, multiplied by card transactions, then the monthly service fee is added.
  • What to check: card tiers, taxes, hardware, chargebacks, settlement, minimum volumes and whether the cap applies.

Planning estimate. All rates are user-entered; the calculator does not fetch or recommend providers.

POS Transaction Fee Calculator FAQ

How is a fee cap applied?

The percentage plus flat fee is calculated for one average transaction, then limited to the entered cap when the cap is above zero.

Why enter operating days?

Monthly volume equals daily transactions multiplied by the card share and the number of operating days.

Are provider rates included?

No. Enter current terms from your own contract or quote.

What is MDR?
Merchant discount rate is a percentage charged on eligible transaction value. Contracts can also include fixed, service, hardware and exception fees.
How should quotes be compared?
Use the same transaction count, value distribution, card mix and operating period, then verify taxes, caps and settlement terms.
Can this compare other payment methods?
This page models one POS fee schedule. Use a separate same-volume comparison for mobile money, QR or transfers rather than assuming one is cheaper.