🔍 How to find your numbers
Look at your most recent processor statement for these three things
Your business details
Fill in what you know — estimates are fine
Your estimated savings
Based on interchange-plus pricingEnter your details to see results
Fill in your monthly volume and we'll show you an instant estimate.
Calculating your estimate…
Your personalized quote arrives by email — no phone call unless you want one. Estimates vary by card mix and volume; only a signed merchant agreement is a commitment on rates.
Your rate looks competitive — but you could eliminate fees entirely.
A cash discount or surcharge program might get you to zero. Want the details by email?
One quick question
Do your customers get a discount for paying with cash?
This determines which calculator gives you the most accurate picture.
Your cash discount setup
We'll show exactly what your processor keeps vs. Inspivo's 2.5%* program rate
Your program comparison
Inspivo program rate: 2.5%*Select your program rate to see results
Choose your rate, enter your volume, and we'll show the real cost comparison.
Your customers still pay the card price either way. You just keep more of what they pay.
One email, everything in writing — how the 2.5% program works, what your customers see, and what it'd cost you. Reply if you want to talk.
Surcharge Compliance Checker
Three quick questions — no business details required
Did you register your surcharge with Visa and Mastercard before you started charging it?
Card network rules require 30 days written notice to your processor before surcharging begins.Do you exclude debit card transactions from the fee?
Debit cards can never be surcharged, even if a customer runs it as "credit" at the terminal.Does your fee reflect your actual cost to accept the card — not a flat 3% or 4%?
You're only allowed to recover what you actually pay to process the card, not a fixed markup.A compliant fee doesn't always mean you're covered.
Even if your surcharge checks every box above, money can still quietly leave your pocket in two places — regardless of whether the fee itself is legal.
Debit transactions
Since debit can't be surcharged, every job paid by debit is still 100% on you — no offset at all.
Your base rate
The surcharge only covers the card fee. Your underlying processing rate and monthly fees are separate — and often inflated.
Mismatched math
A flat fee that doesn't match your real cost can still leave you underwater on certain transactions.
A plain-English breakdown of your compliance gaps and how to close them — most fixes don't require changing processors. Want to talk it through? Reply to the email and we'll set up a quick 10-minute call.
This information is for general purposes only and is not legal advice. Surcharge laws vary by state and change frequently — some states cap or prohibit surcharging entirely. Consult an attorney or your processor to confirm compliance for your specific business and location.
We're a payment processor. This tool is free whether or not you ever work with us — that's the whole deal.
Get the program details — by email.
One email, everything in writing — how the 2.5% program works, what your customers see, and what you'd actually pay. Reply if you want to talk.
🔒 Everything arrives by email — no phone calls unless you ask. We never share or sell contact details.
Done — check your inbox.
Everything will arrive by email from a real person on our team. If you want to talk it through, just reply.
Ready for your exact quote?
The calculator gives you an estimate. Your quote gives you the real number — itemized, in writing, generated instantly by our platform.
Answer a few questions about your business — under a minute.
Our platform generates your itemized quote instantly — no waiting on a rep to get to it.
It lands in your inbox, in writing. Reply if you want to talk.
Why don't we ask for your statement?
Most processors want your statement first for one reason: to see what you're paying now so they can price just underneath it. Your rate ends up based on what you don't know.
We do it backwards. Our platform quotes you upfront based on your business profile — same pricing logic for every merchant, whether you know the industry or not. Want proof it holds up? After your quote arrives, reply with a recent statement and we'll send back a line-item breakdown of every fee.