Effective RateCalculator
A lower rate saves your card volume multiplied by the rate reduction, every month it holds. On $1,000,000 a year in card sales, cutting 0.25% saves $2,500 a year and cutting 1.00% saves $10,000. Effective Rate shows your own figure in dollars so you can decide whether evaluating a new setup like Avendo is worth your time.
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Enter your card volume, your current effective rate, and a reduction in percent or basis points. 25 basis points equals 0.25%.
Enter your monthly card volume, today's effective rate, and the reduction you want to test.
| Annual card volume | 0.25% lower | 0.50% lower | 1.00% lower |
|---|---|---|---|
| $250,000 | $625 | $1,250 | $2,500 |
| $1,000,000 | $2,500 | $5,000 | $10,000 |
| $5,000,000 | $12,500 | $25,000 | $50,000 |
| $20,000,000 | $50,000 | $100,000 | $200,000 |
Interchange is 80 to 90 percent of what a business pays to accept cards and is the same at every processor, per weAudit. Network assessments are generally 0.11% to 0.15% and non-negotiable, per Revolution Payments. Any realistic reduction comes from the processor layer.
Processor markup varies by provider and, in a normal setup, is fixed once you sign. Avendo connects your checkout to multiple eligible processors and routes each online transaction to the one offering the best available rate at that moment, so the processor layer stays competitive. Avendo charges merchants nothing; its $0.10 per transaction fee is billed to the processor.
Measure what fees take from your margin with the profit impact calculator, or return to the credit card processing cost calculator.
Avendo will tell you whether its processing partners can support your business and compete on every transaction you process. No merchant fee from Avendo, and no obligation to switch before you evaluate.