When does the cheaper plan change?
Compare two processing quotes with percentage, fixed and monthly fees. Find the transaction volume where their modeled costs cross.
monthly difference at 1,000 transactions of $29.00
The lines meet at about 233.33 transactions. Quote B becomes cheaper from 234 whole transactions per month.
Percentage fees round per transaction, then fixed fees and monthly subscriptions are added. Compare quotes covering the same work and eligibility.
Questions answered
What if there is no break-even point?
If one quote has both a lower monthly charge and a lower fee per transaction, it stays cheaper for every positive volume in this simple model. Identical fee lines tie.
Can I compare a processor with an MoR?
You can compare the entered charges, but the result does not value tax handling, fraud operations, subscription software or eligibility. Include all required products before choosing.
Useful sources
Use the arithmetic with your actual rate, fee quote and account terms.
Read the worked example →Work through the next question.
All tools →Tax & VAT calculator
Add or remove VAT or sales tax using the rate you enter. See the customer total, tax collected and revenue before tax.
↗Understand the full costChargeback & dispute cost calculator
Estimate lost sales and dispute fees from your transaction count, dispute rate and win rate. Compare the cost before choosing a provider.
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