Obvio helps your business recover credit card processing fees — legally, transparently, and automatically.
Credit card processing fees are a normal part of doing business — but many merchants underestimate how quickly they add up.
Our Merchant Savings Calculator helps you estimate how much your business may currently be paying in processing fees and how much you could potentially keep instead.
Simply enter your monthly credit card volume to estimate your processing costs. This calculator uses a conservative industry average of a 1.90% effective rate, which includes interchange, assessments, and transaction fees.
Move the slider to see how much your business may be paying in credit card fees each month and how those costs affect your bottom line.
Use it as a starting point to evaluate your current payment setup and see what opportunities may exist to improve your margins.
Enter your monthly credit card volume to estimate how much your business currently pays in processing fees.
This calculator uses a conservative industry estimate of a 1.90% effective credit card processing rate (including interchange, assessments, and transaction fees).
After 15 years in the payment industry, I watched providers race to the bottom on price. Merchants deserve a better way.
When a customer chooses to pay with a credit card, a small surcharge helps offset the cost of processing that payment. Debit and cash remain surcharge-free options, giving customers full choice at checkout.
In most everyday transactions, the surcharge represents only a small amount relative to the purchase. The calculator shows how the fee is calculated so you can clearly see what your customers would pay when they choose a credit card.
Use the slider to explore different purchase amounts and see how the surcharge appears during checkout. This transparency helps customers understand their options while allowing you to keep the full value of your sale.
Now Let’s Look at the Customer Side
See exactly how the credit card surcharge appears during checkout.
When a customer chooses to pay with a credit card, a transparent 2.40% surcharge is applied to help offset processing costs.
Transaction Amount × 2.40% = Customer Credit Surcharge
| Purchase Amount | $50.00 |
| Surcharge Fee (2.40%) | $1.20 |
| Total Charged to Customer | $51.20 |
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 — helping you preserve your margins.
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.
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, businesses quickly see the impact on their margins.
Customers can avoid the credit card surcharge by paying with debit or cash.
No. Surcharge rates are designed to align with your cost of acceptance.
