Are you paying a fair rate for card processing? Check in 60 seconds.

Visa lowers some small-business rates on October 24, 2026. See where you stand.

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From one monthly statement

Card sales (Visa, Mastercard, Amex)

Gross sales before refunds. Leave out Interac debit.

Number of card sales

Sales only, not refunds.

Total fees for the month

All processing fees, before any GST, HST or QST lines shown separately.

A few more answers make the range tighter

Statement period end date

Province or territory

Type of business

Is Interac debit on this statement?

How is Amex billed?

Amex sales on this statement

Restaurant owners often know this. Leave blank if not sure.

More details (optional)

Pricing plan

Share of card sales made in person (%)

Interac sales

Number of Interac sales

Interac fees

Terminal rental this month

Number of terminals

Chargeback and dispute fees

PCI non-compliance fee

Annual fees billed this month

One-time fees billed this month

Typical yearly card sales

Helps if this month was busier or quieter than usual.

Visa credit sales this month

Printed by card type on your statement. Sharpens the small-business rate check.

Mastercard sales this month (including Debit Mastercard)

Agreement renewal date

My total fees include sales tax

Adjust assumptions

We assume a card mix for your type of business. If you know yours, enter it here. Each number replaces our assumption at both ends of the range.

Basic cards (%)

Mid premium cards (%)

Top premium cards (%)

Visa Debit and Debit Mastercard (%)

Business credit cards (%)

Cards keyed in by hand (%)

Foreign cards (%)