The Payzium USA calculator
See what you will pay.
Move the sliders, pick your card mix. We compute your estimated effective rate from live US Visa and Mastercard interchange schedules and the Payzium USA margin schedule. Available for US 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
1.70%all-in
Estimated total monthly bill: $681.07. On Tier 1 pricing. Typical tiered processors run 2.5% to 3.6% all-in.
- Card-network cost (pass-through volume)$564.07Interchange 1.280% plus assessments 0.130%. Set by Visa and Mastercard, not by Payzium.
- Payzium margin$72.000.30% on credit volume, automatically lower as you scale. Card-not-present adds 10 basis points.
- Per-transaction fees$40.005 cents per card transaction, at every channel and every tier.
- Monthly account fee$5.00Flat, all tiers.
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 $50. Visa and Mastercard revise their US interchange schedules twice a year; this calculator reflects schedules effective April 2026.