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Find Hidden Processing Fees
Stop paying hidden markups. With true interchange-plus pricing, you pay exactly what banks charge + a fixed, transparent fee.
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over $24,000 a year.
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Calculate Your
Savings in Seconds
Select your monthly volume and average ticket size to see how much you're overpaying.
Card present: tapped, dipped, or swiped
Square Free plan, in person: 2.6% + $0.15 (published rate, October 2026)
Dual Pricing Option
$0 processing fee to the merchant on in-person payments. Customers who pay with card cover the processing cost; cash payments receive an automatic discount.
Interchange-Plus Option
Interchange and card-network fees passed through at cost, plus 0.20% + $0.08 per transaction in person or 0.30% + $0.15 online, with no long-term contracts and zero cancellation penalties.
- Square Free plan (2.6% + $0.15)
- $757.14
- Dual pricing processing cost to you
- $0.00
- Transactions per month
- 714.29
Worked example: how the estimate is calculated
See the formulas, rates and sources behind the numbers.
Worked example: how the estimate is calculated
See the formulas, rates and sources behind the numbers.
The same formulas the calculator uses, written out for $25,000 in monthly card sales at a $35 average ticket. Interchange-plus cost = interchange + card-network fees + the Renegade Payments markup, each charged as a percentage of volume plus a per-transaction fee.
In person: Square Free plan vs Renegade Payments interchange-plus
Inputs: $25,000 monthly card volume ÷ $35 average ticket = 714.29 transactions per month.
| Cost line | Rate | Monthly cost |
|---|---|---|
| Square Free plan (published rate) | 2.6% + $0.15 | $650.00 + $107.14 = $757.14 |
| Interchange (estimate, passed through at cost) | 1.80% + $0.10 | $450.00 + $71.43 = $521.43 |
| Card-network fees (estimate, passed through at cost) | 0.15% + $0.025 | $37.50 + $17.86 = $55.36 |
| Renegade Payments markup (published) | 0.20% + $0.08 | $50.00 + $57.14 = $107.14 |
| Renegade Payments interchange-plus total | $683.93 |
Estimated savings with interchange-plus: $73.21 per month ($878.57 per year, 10% less).
With dual pricing (in-person payments), the processing cost to you is $0, saving $757.14 per month versus the Square Free plan.
Online: Stripe standard pricing vs Renegade Payments interchange-plus
Inputs: $25,000 monthly card volume ÷ $35 average ticket = 714.29 transactions per month.
| Cost line | Rate | Monthly cost |
|---|---|---|
| Stripe standard pricing (published rate) | 2.9% + $0.30 | $725.00 + $214.29 = $939.29 |
| Interchange (estimate, passed through at cost) | 2.10% + $0.10 | $525.00 + $71.43 = $596.43 |
| Card-network fees (estimate, passed through at cost) | 0.15% + $0.025 | $37.50 + $17.86 = $55.36 |
| Renegade Payments markup (published) | 0.30% + $0.15 | $75.00 + $107.14 = $182.14 |
| Renegade Payments interchange-plus total | $833.93 |
Estimated savings with interchange-plus: $105.36 per month ($1,264.29 per year, 11% less).
Dual pricing is not available for online payments, so this example uses interchange-plus.
This is an estimate based on an average card mix. Interchange and card-network fees are passed through at cost and vary with the cards your customers use, so your actual costs will differ. For exact numbers, upload a recent processing statement for a free line-by-line analysis.
Competitor rates are each provider's published standard US rates as of October 2026: Square Free plan 2.6% + $0.15 in person and 3.3% + $0.30 online; Stripe standard pricing 2.7% + $0.05 in person and 2.9% + $0.30 online; Toast Traditional Payment Plan 2.49% + $0.15 in person and 3.5% + $0.15 online; Clover Basic plan on clover.com 2.6% + $0.10 in person and 3.5% + $0.10 online. Toast and Clover publish one card-not-present (keyed-in) rate, which is used for online payments. Monthly software, hardware and payout fees are not included.
Interchange (estimate): 1.80% + $0.10 per transaction in person and 2.10% + $0.10 online, Mastercard's published Enhanced Value consumer credit rates (U.S., effective April 17, 2026). Visa Signature and Traditional Rewards credit cards are 1.65% + $0.10 in person and 2.04%–2.05% + $0.10 online (effective April 18, 2026). Debit cards cost less and premium rewards or business cards cost more, so your actual interchange depends on your card mix.
Card-network fees (estimate): 0.15% + $0.025 per transaction, rounded up from Visa and Mastercard assessments of 0.13%–0.14% of volume plus about $0.02 per authorization (Visa Acquirer Processing Fee, Mastercard Network Access and Brand Usage fee) as listed in acquirer pass-through fee schedules. Visa's monthly Fixed Acquirer Network Fee and event-based fees such as chargebacks are not included.
Renegade Payments pricing: interchange + 0.20% + $0.08 per transaction in person and interchange + 0.30% + $0.15 online, with interchange and card-network fees passed through at cost. Dual pricing applies to in-person payments; card-paying customers cover the processing cost.
Sources: Visa USA Interchange Reimbursement Fees (April 18, 2026) · Mastercard 2026–2027 U.S. Region Interchange Programs and Rates (April 17, 2026) · Square published pricing · Stripe published pricing · Toast published pricing · Clover published pricing
See what you'd save with Renegade Payments
For a business processing $25,000/month in person at a $35 average ticket, here is the estimated monthly cost on each provider's published standard rate.
With Square
$757/mo
2.6% + $0.15 flat rate
Est. savings $73/mo switching to Renegade Payments
With Stripe
$711/mo
2.7% + $0.05 flat rate
Est. savings $27/mo switching to Renegade Payments
With Toast
$730/mo
2.49% + $0.15 flat rate
Est. savings $46/mo switching to Renegade Payments
With Clover
$721/mo
2.6% + $0.10 flat rate
Est. savings $38/mo switching to Renegade Payments
$684/mo
Est. interchange + network fees + 0.20% + $0.08
*Estimate for in-person payments at a $35 average ticket: published standard rates (October 2026) vs. estimated interchange (1.80% + $0.10) and card-network fees (0.15% + $0.025) plus our 0.20% + $0.08 markup. Your actual savings depend on your card mix.
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Our AI engine scans every line of your processing statement to find hidden fees and calculate exactly what you'd save with Renegade Payments.
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Hidden fees identified:
- PCI non-compliance fee ($19.95/mo)
- Regulatory recovery fee ($12.50/mo)
- Monthly minimum shortfall ($25.00)
- Statement fee ($7.95/mo)
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"Switching over from Elavon was seamless. Someone was always there to walk us through the details and support us every step of the way. We've saved thousands of dollars a year in processing costs."
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True Interchange-Plus
You pay the actual interchange rate set by Visa and Mastercard, plus a small transparent markup. No bundled rates that hide profit margins.
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Invoicing, ACH payments, virtual terminal, and recurring payment schedules.
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