Know The Rate, a card-cost reality check

Field notes

The calculator turns three statement figures—monthly volume, total fees, and transaction count—into an effective rate and an annualized comparison. Its benchmark separates estimated interchange and network assessments from public Square or Stripe pricing, while business type and payment method alter the assumed card mix. The page explicitly excludes American Express and uses a 60/40 Visa-to-Mastercard blend, so the output is positioned as an orientation tool rather than a definitive audit.