See what you’d save.
Tell us who you process with today. We’ll build your estimated all-in rate from their published pricing — base rate, per-transaction fee, monthly fees and a 0.25% allowance for add-on fees — and show what you keep when Settld beats it: by at least 0.82% on flat-rate plans and 0.25–0.35% on custom interchange-plus accounts.
Based on Stripe's published rates, with the per-transaction fee and a 0.25% all-in allowance included. Settld beats your all-in rate by at least 0.82%.
Estimated all-in rates use each provider's published standard US rates as of November 2026 (base rate plus per-transaction fee at your average sale, plus any monthly fees), estimated interchange-plus pricing for Chase and Elavon custom plans, Worldpay, Global Payments and Adyen (interchange and network fees + processor markup + per-transaction fee + monthly minimum), an industry average for traditional merchant accounts, and an allowance (0.25%, or 0.10% for Adyen) for add-on fees not included in headline pricing. When you enter your statement total, your actual fees are used and no allowance is added. Your actual savings depend on card mix, pricing plan and fees on your statement. Settld pricing is confirmed after a free statement review and subject to underwriting approval.
The rates behind the math.
Top line: each provider's published base rate plus its per-transaction fee. Bold line: the estimated all-in rate we use — the per-transaction fee converted to a percentage at a $75 average sale, plus a 0.25% allowance for the fees that don't show up in the headline rate.
| Provider | In person | Online | Keyed / phone | Invoices | Published rates |
|---|---|---|---|---|---|
| Stripe | 2.7% + 5¢3.02% | 2.9% + 30¢3.55% | 3.4% + 30¢4.05% | 2.9% + 30¢3.55% | Stripe pricing |
| Square | 2.6% + 15¢3.05% | 3.3% + 30¢3.95% | 3.5% + 15¢3.95% | 3.3% + 30¢3.95% | Square pricing |
| PayPal | 2.29% + 9¢2.66% | 3.49% + 49¢4.39% | 3.39% + 29¢4.03% | 3.49% + 49¢4.39% | PayPal pricing |
| QuickBooks Payments | 2.5%2.75% | 2.99%3.24% | 3.5%3.75% | 2.99%3.24% | QuickBooks pricing |
| Clover | 2.6% + 10¢2.98% | 3.5% + 10¢3.88% | 3.5% + 10¢3.88% | 3.5% + 10¢3.88% | Clover pricing |
| Toast | 2.49% + 15¢2.94% | 3.5% + 15¢3.95% | 3.5% + 15¢3.95% | 3.5% + 15¢3.95% | Toast pricing |
| Shopify Payments | 2.6% + 10¢2.98% | 2.9% + 30¢3.55% | 3.5% + 10¢3.88% | 2.9% + 30¢3.55% | Shopify pricing |
| Authorize.net+ $25/mo gateway fee | 2.9% + 30¢3.55% | 2.9% + 30¢3.55% | 2.9% + 30¢3.55% | 2.9% + 30¢3.55% | Authorize.net pricing |
| Braintree | 2.89% + 29¢3.53% | 2.89% + 29¢3.53% | 2.89% + 29¢3.53% | 2.89% + 29¢3.53% | Braintree pricing |
| Traditional merchant account (industry average) | 2.5%2.75% | 3.05%3.30% | 3.05%3.30% | 2.9%3.15% | myPayAdvisor averages |
Savings questions.
It's everything you paid in processing fees last month divided by your card volume. A "2.9% + 30¢" plan on a $25 average sale is really 4.10% once the 30¢ is counted. Add the fees that never make the headline — chargebacks, refunds, premium and international cards, PCI — and it's closer to 4.35%. Our estimate adds a 0.25% allowance for those fees to every published rate, so the number you see is the number you actually pay. If you enter your statement total, we use your exact rate instead.
We price every merchant from their real statement. If you're on a flat-rate plan — Stripe, Square, PayPal, QuickBooks and others — your Settld quote shows an all-in rate at least 0.82 percentage points below what you pay today. If you're on custom interchange-plus pricing with a bank or enterprise processor, it's at least 0.25 to 0.35 points lower, depending on the processor. Every fee is listed up front.
On interchange-plus, most of what you pay is interchange — the fee set by Visa, Mastercard and the card-issuing banks. No processor can lower it. What can change is the processor's markup and the fees on top, and that's what we cut. If you're with Chase or Elavon and not sure which plan you're on, check your statement: if interchange is listed as its own line, you're on custom pricing.
No. Many merchants start with one location or one sales channel. We handle the migration, hardware and website plugins for you.
Yes. Click "Copy my link" — the link saves your provider, volume and average sale so anyone can open the same estimate.
Ready to keep more?
Send us last month's statement. We'll confirm your exact savings, lock in your Settld rate and move you over at no cost.
- Free migration
- No long-term contract
- Live in days, not months
Every Settld statement, receipt and certificate carries the seal.