Savings Calculator
See how much you could save by switching to PaySec. Enter your current processing details and get an instant estimate.
Your Processing Details
$1K – $5M per month
$1 – $500 per transaction
2.9% + $0.30 per transaction
Your customers see a small service fee at checkout, offsetting interchange costs. You pay only a minimal processing rate.
Your Estimated Savings
Current Monthly Cost
$1,750.002.90% effective rate · Stripe
PaySec Monthly Cost
$361.110.50% effective rate · Network Offset Pricing
Monthly Savings
$1,388.89Annual Savings
$16,666.67Based on 1,111 transactions / month
Free, no-obligation statement analysis
Disclaimer: This calculator provides estimates based on simplified flat-rate vs. interchange-plus models. Actual savings depend on your card mix (debit vs. credit, rewards vs. non-rewards), transaction types, and specific interchange categories. Contact us for a free statement analysis with exact figures.
How PaySec Saves You Money on Payment Processing
The Problem with Flat-Rate Pricing
Processors like Stripe, Square, and PayPal charge a single flat rate for every transaction regardless of card type. While simple, this means you pay the same 2.9% whether the customer uses a low-cost debit card (actual interchange ~0.5%) or a premium rewards card (~2.3%). The difference is pure profit for the processor.
Interchange-Plus: Pay What It Actually Costs
With interchange-plus pricing, you pay the actual interchange rate set by Visa and Mastercard, plus a small transparent markup. There are no hidden fees or inflated margins. For most merchants, this results in an effective rate 0.5% to 1.5% lower than flat-rate pricing.
Network Offset (Cash Discount) Pricing
Network offset programs add a small service fee to card transactions at the point of sale, which offsets your processing costs. Customers who pay with cash or debit receive the base price. This is fully compliant with card network rules and can reduce your effective rate to near zero.
Why Industry Matters
Your Merchant Category Code (MCC) affects the interchange rate applied to your transactions. Certain industries like grocery and fuel receive preferential rates from the card networks. PaySec ensures your MCC is classified correctly so you always qualify for the lowest applicable interchange tier.
What Affects Your Actual Savings?
The estimates above use simplified models. Your real-world savings depend on several factors that only a full statement analysis can reveal:
- Card mix -- The ratio of debit to credit, and standard cards versus premium rewards cards, significantly affects your average interchange cost.
- Card-present vs. card-not-present -- In-person transactions have lower interchange rates than online (keyed/e-commerce) transactions due to reduced fraud risk.
- Transaction size distribution -- Per-transaction flat fees have a larger impact on businesses with many small transactions compared to fewer large ones.
- Commercial and purchasing cards -- B2B merchants processing corporate and purchasing cards may qualify for reduced rates through Visa's Commercial Enhanced Data Program (CEDP).
Want Exact Numbers?
Send us a recent processing statement and we'll provide a line-by-line comparison showing your exact savings with PaySec -- no obligation, no commitment.
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Most merchants save 20-40% on processing fees when they switch to PaySec. Get approved in as little as 24 hours.