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Payzium.

The Payzium calculator

See what you will pay

Move the sliders, pick your card mix. We compute your estimated effective rate from real Visa Canada and Mastercard Canada interchange schedules and our 0.30% Tier 1 margin. Available for Canadian merchants today.

Your monthly card volume
$40,000/mo
$5K$100K$500K$1M$5M+
100% in-person0% online or keyed
All online50/50All in-person
Card mix
Estimated effective rate
1.43%all-in

Estimated total monthly bill: $571.52. On Tier 1 pricing. Typical tiered processors run 2.5% to 3.6% all-in.

Card network costs
Interchange 0.843% plus assessments 0.130%. Set by Visa, Mastercard, and Interac, not by Payzium.
$389.37
Payzium margin
0.30% on every transaction, automatically lower as you scale.
$120.00
Per-transaction fees
5 cents per transaction, all tiers.
$57.14
Monthly account fee
Flat, all tiers.
$5.00
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Calculator output is an estimate. Final pricing depends on your actual card mix, current network rates effective on the date of your transactions, and any optional add-ons. The model assumes an average transaction value of $35. Interac debit is shown at the standard contactless rate; the exact Interac fee varies slightly by merchant category. Visa and Mastercard revise their interchange schedules quarterly; this calculator reflects schedules effective April 2026.