Payment savings calculator

Use our free dual pricing tools to model card and cash prices on your own, or submit your processing statement for a personalized Apexonepayments savings comparison.

1Calculate yourself2We analyze your statement

Step 1 · DIY calculator

Calculate pricing on your own

Enter your target cash price and processing fee rate to see the grossed-up card price instantly — no contact details required.

Dual pricing tools

Price every transaction correctly

Set your target cash price and fee rate — we gross up the card price so you keep the full amount after processing fees are deducted.

Card = Cash ÷ (1 − fee rate)

Per-transaction pricing

Cash vs. card for a single sale

Target cash price ($)

Processing fee rate (%)

Card price

Standard (grossed up)

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Cash price

Discounted (your target)

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Volume savings

Monthly & annual cash advantage

Monthly sales volume ($)

Average card fee rate (%)

Monthly savings

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Annual savings

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Enter your monthly volume and fee rate to see projected savings

Step 2

Apex comparison

Calculate your processor savings

Submit your statement and payment mix for a detailed effective-rate comparison with Apexonepayments — or upload your bank statement and we'll calculate everything for you.

Hands-off option: Send your merchant processing bank statement with your contact details. Our team reviews your fees, calculates your true effective rate, and compares it to Apexonepayments pricing.

Start here

Savings calculator

Send your bank statement — we calculate your savings for you.

Why Apex Calculator?

Most payment processors obscure their true cost with hidden fees, monthly statement fees, and complex tiered structures. The Apex Calculator lets you cut through the confusion. Just drop in your practice's current transaction volume, fees, and mix of cards to see your true effective rate comparison instantly.

Average 40% savings

By switching to Apex Pay, our users save an average of 40% compared to traditional processors. No monthly fees, no compliance fees, and transparent pricing you can trust.

The calculation making a real difference

When you run a business or clinical practice, understanding your effective rate is crucial. While many payment processors advertise low starting rates, hidden fees on your statement often push your true cost much higher than expected.

What is an effective rate?

An effective rate represents the absolute total percentage of your transaction volume that you pay in fees. Rather than focusing on single transaction rates, it sums up every fee and divides them by your overall processing volume.

Effective Rate = (Total Fees / Total Volume) × 100

Why is it important?

Knowing your effective rate is the only way to compare different payment processing options fairly. If one processor offers 1.9% but charges $150 in monthly fees, and another offers 2.4% with zero monthly fees, the effective rate reveals which service actually saves you money.

Why is my rate so high?

Many traditional processors rely on complex tiered pricing to hide markups. Premium rewards cards or commercial credit cards are routed into higher tiers, inflating your costs without clear explanation.

Lower your effective rate with Apex Pay

Apex Pay simplifies payment processing by eliminating monthly fees, compliance charges, and hidden surcharges. With smart payment tools and direct ACH routing, you can cut transaction costs by up to 40% compared to typical credit card processors.