Result
Effective rate
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This calculation is for informational purposes only and does not replace advice from a qualified professional. Formulas and rates may not fit your exact situation — double-check the figures before making decisions.
How it is calculated
Effective rate = acquiring percentage rate + (fixed monthly fee ÷ monthly turnover) × 100%. The fixed terminal service fee gets spread across the whole turnover — the smaller the turnover, the more noticeably that fixed part inflates the real cost of acquiring beyond the stated percentage.
At low turnover, the effective rate can end up noticeably higher than the nominal one: for example, a fixed fee of $30 at $1,000 of turnover adds another 3 percentage points to the nominal rate — a very different economics than for a business with turnover in the millions.
This comparison matters especially when choosing between offers from different banks or payment aggregators: a plan with a lower nominal percentage but a high fixed fee can end up more expensive for a low-turnover business than one with a higher percentage but no fixed part.