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Free tool · No sign-up requiredWhat are you really paying to accept cards?
Plug in two numbers from your processing statement to see your effective rate, what card fees cost you each year, and how much a dual pricing program like True Zero could potentially offset.
Grab your latest statement
- Total card sales for the month, often called “total volume” or “amount submitted.”
- Total fees for the month, usually on a “total fees” or “fees charged” line.
- Optional: your average ticket and roughly how much of your sales are on debit cards.
Your results
Based only on the numbers you entered.
Estimate only, not an offer. Actual results depend on program setup, card mix, and applicable card-brand rules and state laws. See full disclosures below.
Simple math, using only your numbers
We don’t plug in our own rates or assumptions. Every result comes straight from what you enter.
Effective rate
The single most useful number on a statement. It rolls every fee (interchange, markups, monthly and per-transaction charges) into one percentage of your card sales.
Total fees ÷ card sales
Annual fees today
Monthly fees feel small. Multiplied over a year, they often add up to a payroll check, a piece of equipment, or a marketing budget.
Monthly fees × 12
Dual pricing offset
With dual pricing like True Zero, customers see both a cash price and a card price, and the card price is designed to help offset processing costs. How much is offset depends on your program setup and card mix.
Estimate = your annual fees today
A calculator is a starting point. Your statement tells the whole story.
Send us a recent statement and we’ll walk you through every line in plain English, then show you whether True Zero or standard pricing is the better fit for your business and your state.
- Line-by-line review of interchange, markups, and hidden monthly fees.
- A clear comparison of your options, including whether dual pricing fits.
- State rules checked first, including Colorado’s card price disclosure requirements.
- No obligation and no pressure, from a real person in Colorado.
Get an exact number. It’s free.
Send us a recent processing statement and we’ll show you exactly what you’re paying and what you could keep. No obligation, no pressure.
Important disclosures
This calculator provides estimates only, based solely on the information you enter. It is not an offer, quote, or guarantee of savings, and JadaPay does not store or receive the numbers you enter. Actual results depend on program setup, card mix, and applicable card-brand rules and state laws.
True Zero is a dual pricing program: customers see both a cash price and a card price. Dual pricing programs must follow card-brand rules and applicable state laws, which vary by state. How debit transactions are handled depends on your program setup and applicable rules, which can affect the amount offset. In Colorado, True Zero is offered as a cash discount program: the posted price is the card price, cash payers get a discount, and debit cards are not surcharged.
“True Zero” is a program name, not a guarantee of zero processing cost. True Zero program details, including any applicable fees and terms, are provided at enrollment. Merchants remain responsible for following applicable card-brand rules and laws.