The Tool
Track 01 teaches the math; this worksheet runs it on your numbers. Enter last month's card volume and the total fees you actually paid. Nothing is sent anywhere — the math happens on this page, in your browser.
01The Worksheet
Use a full month — a partial month distorts monthly fees. Include every fee line on the statement: interchange, assessments, processing fee, monthly and per-item charges.
Sets your average ticket, which prices the per-transaction part of debit interchange. Blank = $50 average ticket.
Your Effective Rate
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Total fees ÷ total volume. The one honest measure of what you pay.
Estimated Cost With EBS
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Interchange + 0.50% + $35/mo flat, on the standard blend below.
You Could Keep
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The estimated difference, per month and per year.
How the estimate works — assumptions shown. This is an estimate, not a quote. It uses the same standard blend as the EBS homepage calculator: half your volume on credit cards at 1.80% interchange, half on regulated debit at 0.05% + $0.21–$0.22 per transaction (computed at the $0.215 midpoint), plus the published EBS processing fee of 0.50% and the $35/mo flat merchant-services fee. Your real card mix will move the number up or down — premium rewards cards cost more, debit costs less. The exact figure comes from a statement review, where we price your actual mix line by line.
02Reading the Result
Your effective rate is the truth of your current account — total fees divided by total volume. Ignore the rate on the brochure; this is the number to compare. A debit-heavy business should sit noticeably lower than a rewards-credit-heavy one. If yours does not, the processing fee is eating the difference.
The EBS estimate prices the same volume on published EBS pricing: interchange passed through at cost, plus 0.50%, plus $35/mo flat. Because the blend is standardized, treat it as a planning figure — directionally honest, not exact.
The difference is what stays in the business if the estimate holds on your real mix. If the worksheet says your current cost already beats the estimate, believe it — and a free statement review will confirm it in writing, either way.
Want the full method first? Track 01 — Read Your Statement walks a real statement top to bottom, line by line.
Free — No Obligation
Send us last month's statement and we will put your true effective rate in writing next to ours — interchange + 0.50%, $35/mo flat. If your current setup wins, we will tell you to stay put.