Obvio lets you recover your credit card processing fees — legally, transparently, and instantly.
Managing credit card processing fees is a crucial part of running a profitable business. Every transaction you accept comes with a processing fee, which can quickly add up over time. Understanding exactly how much you are paying and how much you could save is essential for maximizing your revenue.
Our merchant credit card processing savings calculator is designed to help businesses of all sizes estimate potential savings by switching to a lower-cost payment processing solution. By entering a few simple details about your monthly sales and current processing fees, you can immediately see how much money you could be saving each month.
The calculator is simple to use and requires minimal information. You only need to input your total monthly credit card sales and your current processing rate. If your current processor charges per transaction fees, you can include those too for a more precise estimate.
Once you enter your data, the calculator instantly shows your estimated monthly savings. It also provides an annual savings projection, allowing you to plan your finances with confidence. This makes it easy to evaluate different payment processing options without complicated spreadsheets or manual calculations.
HOW IT WORKS:
Merchant Savings Calculator – See how much you can save by
switching to our low-cost processing.
Monthly Processing Volume × 1.90% = Your Monthly Savings
After 15 years of racing to the bottom, I got tired. This is the future of payments in Canada.
Find quick answers to the questions most customers ask.
Always factor in equipment rental (which varies based on the number of terminals), along with software and administrative fees.
Once your business processes $20,000 or more in monthly credit card sales, substantial savings are guaranteed.
Whether surcharging is right for you depends largely on your monthly credit card sales volume. Generally, it makes the most financial sense for businesses processing over $20,000 per month in credit card transactions.
If your volume is lower, surcharging may not be the ideal fit — but we have other solutions that can still help you save.
Yes, debit transactions can be surcharged in Canada. The maximum surcharge for Interac debit is $0.25 per transaction. Cash payments and e-transfers are not subject to any surcharge. Offering cash remains a fee-free alternative for customers and supports transparent choice at checkout.
The Clover Surcharge Program automatically recovers your credit card processing fees at the point of sale. A transparent 2.40% surcharge is applied during checkout — allowing you to retain all of your original sale.
No…
Understanding how credit card surcharges affect your customers is essential for maintaining transparency and trust at the point of sale. Every time a customer chooses to pay with a credit card, a small surcharge may be applied to help offset processing costs. Knowing exactly how much that surcharge will be helps both merchants and customers avoid confusion.
The customer surcharge calculator is designed to clearly show how a credit card surcharge is calculated for each transaction. By entering a transaction amount, merchants can instantly see the surcharge fee applied at the standard rate. This makes it easy to explain pricing and ensure compliance with card network regulations.
The calculator uses a simple and transparent formula based on the transaction amount and a fixed surcharge percentage. There are no hidden calculations or unexpected fees. Customers can clearly see how much they are paying and why the surcharge is applied.
The calculator uses a simple and transparent formula based on the transaction amount and a fixed surcharge percentage. There are no hidden calculations or unexpected fees. Customers can clearly see how much they are paying and why the surcharge is applied.
HOW IT WORKS:
Customer Surcharge Calculator – See how much surcharge is added when a
customer pays with a credit card.
Transaction Amount × 2.40% = Customer Surcharge Fee
That’s the surcharge amount applied to this purchase.
| Purchase Amount | $50.00 |
| Surcharge Fee (2.40%) | $1.20 |
| Total Charged to Customer | $51.20 |
