Compare your processor with SecureTrust — instantly
Choose your current provider, enter your real processing numbers, and compare them with SecureTrust's published 2.00% + 3¢ per transaction standard processing structure, plus the $25 monthly platform fee.
Compare first. Decide later. Unlike calculators that require your contact information before showing the numbers, SecureTrust lets you see the comparison immediately. No email. No phone number. No gated results.
This calculator models SecureTrust standard processing only. Cash Discount is evaluated separately because customer payment behavior affects the economics of that program.
Build your comparison
Select your provider, then use one typical month from your statement.
Custom comparison — enter your actual monthly processing fees.
Published-rate comparisons are for U.S. in-person/card-present processing. If you have negotiated pricing, enter your actual monthly fees instead.
Why effective rate is useful
Your effective rate is your total monthly processing cost divided by your total processed volume. It gives you one number that reflects the real statement instead of only the advertised rate.
For example, if a business processes $40,000 and pays $1,240 in total monthly processing costs, its effective rate is 3.10%.
Cash Discount should be reviewed separately
This calculator intentionally models standard processing only. Cash Discount changes the economics because eligible customers can receive a discount for paying with cash while card transactions are processed under the program structure. Review it separately from standard processing for an accurate comparison.
See Cash Discount Program