Pricing models
Pricing Models
Compare flat-rate pricing, Clover.com published rates, and SPSeast pricing guidance before you commit.
Move the assumptions below to estimate how transaction volume, debit mix, keyed payments, and business type can affect monthly processing cost. Final pricing depends on business type, underwriting, transaction mix, selected hardware, software, and merchant agreement.
Estimate your monthly processing cost
Use this calculator as a starting point. Actual merchant pricing depends on your card mix, average ticket, transaction type, business category, underwriting, and final agreement.
Estimates are for discussion only and are not a quote or guarantee. Actual pricing depends on business type, card mix, transaction method, processing volume, selected hardware/software, underwriting, applicable taxes, card network rules, and final merchant agreement.
Transaction volume
Total monthly card sales processed by your business.
Used to estimate number of transactions per month.
Business profile
Card mix
Flat-rate providers usually charge the same published rate for debit and credit. Interchange-style pricing can be more sensitive to debit/credit mix.
Your debit mix is high. Flat-rate pricing may charge debit and credit at the same published rate, while custom pricing may better reflect actual card mix.
Payment channels
Advanced assumptionsShowHide
Your assumptions
- Monthly volume$50,000/mo
- Average ticket$50
- Estimated transactions1,000
- Keyed / online share0.00%
- Debit mix50.00%
Estimated monthly processing cost
SPSeast estimate
Estimated monthly cost
$813/mo
- Effective rate
- 1.63%
- Monthly software fee
- $0
- Card-present rate applied
- 1.4% + $0.10
- Keyed / online rate applied
- 2.0% + $0.10
- Estimated annual cost
- $9,750
Starting estimate, subject to review and final agreement.
Clover.com published example
Clover.com Standard
Estimated monthly cost
$1,435/mo
- Effective rate
- 2.87%
- Monthly software fee
- $85
- Card-present rate applied
- 2.5% + $0.10
- Keyed / online rate applied
- 3.5% + $0.10
- Estimated annual cost
- $17,219
Estimated difference vs SPSeast: +$622/mo$7,469 estimated annual difference under these assumptions
Square published example
Square Plus
Estimated monthly cost
$1,449/mo
- Effective rate
- 2.90%
- Monthly software fee
- $49
- Card-present rate applied
- 2.5% + $0.15
- Keyed / online rate applied
- 2.9% + $0.30
- Estimated annual cost
- $17,388
Estimated difference vs SPSeast: +$637/mo$7,638 estimated annual difference under these assumptions