Nationwide Payment Systems 

Credit Card Processing Savings Calculator

Use the Nationwide Payment Systems Savings Calculator to estimate how

much your business may be overpaying in credit card processing fees. Upload a merchant

statement for a deeper savings analysis.

Presented by Allen Kopelman, CEO — Nationwide Payment Systems-Host of B2B Vault: The Biz2Biz Podcast 

AI OVERVIEW

The Nationwide Payment Systems Savings Calculator helps business owners estimate how much

they may be overpaying for credit card processing. Businesses can enter their monthly

processing volume, average sale amount, monthly fees paid, payment method, and pricing

preference to see estimated savings. For a more accurate review, businesses can also upload a

recent merchant processing statement and schedule a consultation with Nationwide Payment

Systems to review potential savings, pricing options, and payment technology that can help

improve cash flow. (Nationwide Payment Systems)

Are You Overpaying for Credit Card

Processing?

Use Our Savings Calculator to

Find Out

Most business owners look at their credit card processing statement and immediately think the

same thing:“What am I even looking at?”

Between interchange fees, assessment fees, batch fees, monthly fees, PCI fees, non-qualified

rates, card-present transactions, card-not-present transactions, and processor markups, merchant

statements can feel like they were designed by someone who hates clarity.

That is exactly why Nationwide Payment Systems created the Credit Card Processing Savings

Calculator.

The calculator gives business owners a quick way to estimate whether they may be overpaying

for payment processing. Instead of guessing, you can enter a few basic details and get a clearer

picture of what your current processing costs look like.

You can try it here:

https://nationwidepaymentsystems.com/savings-calculator/

What Is the Nationwide Payment Systems Savings Calculator?

The Nationwide Payment Systems Savings Calculator is a simple online tool that helps

businesses estimate potential savings on credit card processing.

The calculator asks for basic payment processing information, including:

• Monthly processing volume

• Average sale amount

• Monthly fees paid

• Whether most payments are card-present or card-not-present

• Preferred pricing plan, such as cost-plus pricing or zero-cost/surcharge pricing

Once entered, the calculator helps estimate whether your current merchant services program may

be costing more than it should.

This is especially useful for businesses that have been processing with the same provider for

years and have not reviewed their statement recently.

Why Business Owners Should Review Their Processing

Costs

Credit card processing is one of those expenses that can quietly grow over time.A business owner may sign up for one pricing structure, but over the years, new fees can appear.

Rates can change. Monthly fees can increase. Downgraded transactions can become more

common. The business may also change how it accepts payments.

For example, a business that started with mostly in-person payments may now accept more

invoices, payment links, keyed transactions, online payments, or recurring billing.

That matters because payment method affects cost.

Card-present transactions are usually priced differently from card-not-present transactions. A

retail store, restaurant, contractor, medical office, B2B company, or e-commerce merchant may

all have different risk profiles and pricing needs.

That is why using a savings calculator is a smart first step.

How the Savings Calculator Works

The calculator is designed to be fast and easy.

Step 1: Enter Your Current Processing Details

You enter basic numbers such as monthly volume, average sale, and monthly fees paid.

This gives a starting point for estimating your current effective rate.

Your effective rate is the percentage of total processing fees compared to total card volume. It is

one of the simplest ways to understand what you are really paying.

Step 2: Choose Your Payment Method

The calculator allows you to identify whether your business is primarily:

• Card present

• Card not present

This is important because businesses that key in payments, send invoices, accept online

payments, or take orders over the phone often have different costs than businesses where the card

is physically dipped, tapped, or swiped.

Step 3: Choose a Pricing Plan

The calculator includes pricing options such as:• Cost-plus pricing

• Zero-cost or surcharge pricing

Cost-plus pricing can provide more transparency by separating wholesale card network costs

from processor markup.

Zero-cost or surcharge pricing may help eligible businesses offset some or most credit card

acceptance costs by passing a compliant surcharge to customers who choose to pay with a credit

card.

Not every pricing model is right for every business, which is why a deeper review is important.

The Calculator Is a Starting Point — Your Statement Tells

the Full Story

The savings calculator gives a useful estimate, but the most accurate review comes from

analyzing a real merchant statement.

That is why Nationwide Payment Systems gives businesses the option to upload a merchant

processing statement for additional analysis.

A merchant statement review can help identify:

• Your true effective rate

• Hidden or unnecessary fees

• Downgraded transactions

• Interchange optimization opportunities.

• Whether your pricing model fits your business

• Whether ACH or Smart Invoicing could reduce costs

• Whether surcharging or dual pricing may be appropriate

• Whether your current gateway or POS setup is costing you extra money

• Whether your business has better technology options available

You can upload a statement directly from the calculator page and request a free savings report.

(Nationwide Payment Systems)

Start here:

Upload Your Statement for a Savings Review

Why Uploading Statement MattersMany processors advertise low rates, but a merchant statement shows what a business is actually

paying.

That is where the truth lives.

A statement analysis can uncover fees that are easy to miss, including:

• Monthly minimum fees

• PCI fees

• Batch fees

• Authorization fees

• Gateway fees

• Statement fees

• Non-qualified transaction fees

• Card-not-present surcharges

• AVS fees

• Chargeback fees

• Compliance fees

• Processor markup

Some fees may be normal. Others may be excessive. The only way to know is to review the

statement line by line.

Nationwide Payment Systems can review the statement, explain what the numbers mean, and

show whether there is a better way to structure payment acceptance.

Payment Savings Are Not Just About Rates

A lot of business owners think saving money on processing means getting a slightly lower

percentage rate.

That is only part of the story.

Real payment savings can also come from better technology.

For example, a business may save money and time by using:

• ACH payments.

• Smart Invoicing

• Recurring billing

• Payment links

• Customer payment portals

• QuickBooks payment integrations

• Level 2 and Level 3 data for B2B transactions• Better POS integration

• Chargeback prevention tools

• Better reporting and reconciliation

The right setup can help a business get paid faster, reduce manual work, and improve cash flow.

That is the bigger opportunity.

Who Should Use the Savings Calculator?

The savings calculator is useful for almost any business that accepts credit cards, especially:

• Retail stores

• Restaurants

• Bars and nightclubs

• Medical offices

• Dental offices

• Contractors

• Wholesalers

• Distributors

• B2B companies

• Professional service firms

• Nonprofits

• E-commerce businesses

• High-risk merchants

• Multi-location businesses

• Businesses using invoices or recurring billing.

If your business processes credit cards every month, this calculator can help you understand

whether your current fees are reasonable.

When Should You Review Your Merchant Statement?

Business owners should review their processing statement at least once or twice per year.

You should also review your statement when:

• Your monthly volume increases

• Your average ticket changes

• You start accepting more online payments.

• You add invoices or recurring billing.• You change POS systems.

• You open a new location.

• You receive a rate increase notice.

• You see unexpected fees.

• Your processor stops answering the phone.

• You are considering surcharge, dual pricing, ACH, or cost-plus pricing.

Payment processing should not be “set it and forget it.”

It is part of your financial infrastructure.

About Nationwide Payment Systems

Nationwide Payment Systems is a Fort Lauderdale-based payment technology and merchant

services company helping businesses accept payments, reduce friction, and use better financial

technology.

NPS works with retail businesses, restaurants, B2B companies, service businesses, nonprofits,

high-risk merchants, e-commerce businesses, and companies that need more than a basic

payment processor.

Solutions include:

• Credit card processing.

• ACH payments.

• Smart Invoicing

• NPSONE gateway

• POS systems

• Payment links

• Recurring billing

• E-commerce payments

• High-risk merchant accounts

• Chargeback tools

• Payment consulting

• Statement analysis

Learn more about Nationwide Payment Systems here:

https://nationwidepaymentsystems.com/

About Allen KopelmanAllen Kopelman is the founder and CEO of Nationwide Payment Systems and the host of B2B

Vault: The Biz to Biz Podcast.

Allen has spent more than two decades helping business owners understand payment processing,

merchant services, POS technology, chargebacks, fintech, and business growth strategies.

Through Nationwide Payment Systems, B2B Vault, educational blogs, webinars, and business

content, Allen focuses on helping merchants make smarter decisions about payment technology.

The savings calculator is part of that mission: to give business owners a simple way to start

asking better questions about what they are paying and whether better options are available.

Try the Credit Card Processing Savings Calculator

Are you overpaying for payment processing?

There is only one way to find out.

Use the Nationwide Payment Systems Savings Calculator to estimate your potential savings,

then upload a recent merchant statement for a deeper review.