Dealership Surcharge Savings Calculator
See what a compliant credit card surcharge saves your store, using your own monthly volume and credit mix.
Run Your Own Statement
Set your monthly card volume and credit/debit mix, then hit Activate.
Estimate assumes ~3% blended card cost today and 1.05% on debit, with the 3% credit surcharge passed to the customer. Drag the sliders to match your dealership.
How to Read Your Numbers
Three numbers, one story: what you pay now, what stays after surcharging, and what that gap is worth.
The Before dial is what your dealership pays today at your current blended card cost. The After dial is what stays once a compliant surcharge program is running: debit keeps paying its own rate, and credit drops toward zero because the customer covers the surcharge instead. The center gauge is simply the gap between those two numbers, the share of your current card cost that surcharging keeps in the store.
The estimate rests on three published assumptions: about 3 percent blended card cost today, 1.05 percent on debit, and a 3 percent credit surcharge passed to the customer. For the mechanics behind those numbers, see how the surcharge program works and read the step by step breakdown on how it works.
A Worked Example
The calculator's own default numbers, laid out as a statement.
| Monthly volume | Today (about 3% blended) | With surcharging |
|---|---|---|
| Credit, $240,000 | $7,200 in fees | $0, customers cover the 3% |
| Debit, $160,000 | $4,800 in fees | $1,680 at 1.05% |
| Processing cost | $12,000/mo | $1,680/mo |
That store keeps about $10,320 a month, or $123,840 a year, an 86 percent cut. Heavier credit mixes push it higher; that is the up to 90 percent.
Want the full rate list and everything the flat monthly fee covers? See the pricing page.
Quick Answers
It is an illustrative estimate built from your inputs and the stated assumptions. Your real number depends on your exact card mix and volume, so a demo gives you the precise figure for your store.
No. The $99 per location per month is a flat fee on top, and it is deliberately kept out of the processing math above. On a typical store it is under 1 percent of the monthly savings.
Debit is never surcharged. You pay the low 1.05 percent debit rate, and the customer sees no surcharge on it, which is why only the credit share gets offset.
Run Your Numbers
See These Numbers on Your Own Statement
Book a demo and walk through your own volume and card mix with our team, no estimate needed. 100+ franchise dealerships nationwide · 20 years in payments · Houston, TX.
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