Wednesday, October 21, 2026
How to find what you really pay to take cards
Most processing statements make it hard to see one simple number: what taking cards cost you last month. You can find it in about five minutes. Pull last month's statement and find two numbers. The first is total card sales, sometimes called total volume or amount submitted. The second is total fees. Fees are often split across a few sections, so add them all up. Divide total fees by total card sales. That's your effective rate. If you ran $40,000 in cards and paid $1,200 in fees, your effective rate is
