Tools
Run the numbers yourself.
Free, no-signup calculators built on the same economics behind our diagnostics. Illustrative estimates — your diagnostic produces the real number.
Each tool reflects the real levers behind commercial-card economics: the cost of capital tied up in slow receivables, the interchange you actually pay once Level 2/3 data is sent, the rebate a buyer captures, and the day-count where acceleration outweighs the fee. Start with the Net Cost of Card to see why “3%” is the wrong number, compare card against ACH and check, find your break-even in days, then test whether surcharging helps or hurts. When you’re ready for your real figures, book a diagnostic.
The calculators
Five ways to see the real cost.
Net Cost of Card
Card isn't 3% — see the real basis-point cost after acceleration, tax, and Level III.
Open calculator For suppliersCard vs ACH vs Check
The cheapest way to get paid isn't the one with no fee. Compare all three.
Open calculator For suppliersBreak-even
How many days faster do you need to be paid for card to pay for itself?
Open calculator For suppliersSurcharge impact
Surcharging looks free. See the lost margin it really costs.
Open calculator For buyersRebate Gap
The realized rebate your card program is leaving on the table.
Open calculatorYour real numbers
Want your real numbers? Book a diagnostic.
A paid scoping diagnostic baselines your actual file and produces the net cost you can take to Treasury — not an illustration.