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Rate calculator

What you'd save.

Drag the sliders. We'll show you how much is leaving your account every month that doesn't need to. The math is live — and conservative. Real audits usually find more.

Your numbers


Statement fees, PCI "non-compliance" charges, batch fees, gateway fees, monthly minimums. These typically disappear entirely with us.

Estimated monthly savings
$912.50
That's $10,950 per year — money that goes back into your business instead of into a processor's pocket. Over three years, it's $32,850.
Current monthly cost $1,500
With Starlight Lane $587
Transactions per month 666
New effective rate 1.17%
Side by side

Where the difference is.

Your current processor

$1,500/mo
Processing rate 2.90%
Volume-based cost $1,450
Monthly fees & surcharges $50
Total monthly cost $1,500

Starlight Lane

$587/mo
Processing rate 1.17%
Volume-based cost $587
Monthly fees & surcharges $0
Total monthly cost $587
What the numbers mean

Reading your statement, honestly.

01 / INTERCHANGE

The real cost

Interchange is what the card networks (Visa, MC, Amex) actually charge. Every processor pays the same rate on the same card — there's no negotiating this part. It's usually 70 to 85 percent of your total fee.

02 / MARKUP

The part that varies

This is the processor's cut on top of interchange. Ours starts at 0.15%. Most tiered plans hide a 0.5% to 1.5% markup — which is why effective rates of 3% or higher are so common on your statement.

03 / FEES

Everything else

Statement fees. PCI non-compliance fees. Batch fees. Gateway fees. Monthly minimums. Cross-border fees. Sometimes $50 a month, sometimes $300. These are the junk charges we eliminate entirely.

Want the real number?

The calculator is a guess. We'll give you the real one.

Sliders are useful for a ballpark. A free statement audit is the actual truth. Send us your last three months of processing statements — within three business days, you'll get a one-page proposal with exact numbers, not estimates.