Credit Card Processing Cost Calculators are Hypothetical at best,

Interchange is responsible for the majority of credit card processing expense, and it’s impossible to predict interchange fees until a transaction actually happens. It is possible to estimate costs using a business’s processing profile to predict interchange, but such estimates will never produce a spot-on figure.

Never choose a processor based on the estimated total cost of processing. Instead, concentrate only on the processor’s markup portion of cost. The estimated markup will be far more accurate and useful than total estimated expense.