🔍 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…
Estimates vary by card mix and volume. Only a signed merchant agreement is a commitment on rates.
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.
Program rate confirmed in writing before you sign. Zero obligation.
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.
No pressure, no obligation — just a real conversation about your setup.
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.
Get in touch — we'll take it from here.
Someone from Inspivo will reach out to walk you through switching to our 2.5% program. No obligation, no sales pressure.
🔒 Your information is only used to respond to your inquiry. We never share or sell contact details.
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Someone from Inspivo will be in touch shortly to walk you through switching to our 2.5% program.
Ready to see your exact rate?
The calculator gives you an estimate. Your free quote gives you the real number — itemized, in writing, with zero obligation.