Independent Tool
Payment Cost Calculator
Estimate your true effective rate and what you could save with orchestration, local acquiring, and network tokens. Based on 2026 PSPmatcher merchant benchmarks.
20%
35%
Estimated Effective Rate
2.41%
~3,333 transactions/month
Estimated monthly cost$6,852
Annual cost$82,225
Optimization Potential
With orchestration, local acquiring, and network tokens, similar merchants typically save:
$14,000 / year
~40 bps reduction modeled. Actual results depend on processor mix and contract terms.
Get the full benchmark report
Hidden fees, negotiation levers, vertical medians.
Indicative model
This calculator uses median benchmarks from 50+ merchant statements (Q1 2026). It is not a quote. For a statement-level review, book a free consultation .