Written by PJ · SideGuy Solutions
Based in Solana Beach · Updated 2026-04-15 · Text 858-461-8054
Free Tool · No Signup · Updated 2026
Enter your monthly card volume, average transaction size, and current processor. The calculator shows your exact monthly fee cost for Stripe (2.9% + $0.30), Square (2.6% + $0.10 in-person), Helcim (interchange-plus, typically 1.7–2.4%), and PayPal. Most businesses save $150–800/month by switching from PayPal to Stripe or Helcim.
Enter your monthly volume. See exactly what Stripe, Square, Helcim, and PayPal charge — and how much you could save by switching.
Terminal type, card mix, chargeback history — all affect your real rate. Text PJ for a free 10-minute fee audit tailored to your business.
What is the cheapest payment processor for small businesses?
For most businesses under $50k/month, Helcim or Stripe offer the best rate transparency. The right answer depends on your ticket size, volume, and whether you take in-person payments. Use the calculator above to see your exact numbers.
How much does Square charge per transaction?
Square charges 2.6% + 10¢ for in-person swipe/chip/tap, and 3.5% + 15¢ for manually keyed transactions. No monthly fee on the free plan. Restaurant plans start at $60/month with lower processing rates.
How do I reduce my payment processing fees?
Three moves: (1) Switch to interchange-plus pricing — Helcim and Payment Depot offer this. (2) Encourage card-present over card-not-present — rates are lower. (3) Negotiate — at $20k+/month you have leverage. Text PJ for a free fee audit.
Can SideGuy help me switch payment processors?
Yes. SideGuy helps San Diego businesses audit their processor, compare options for their exact volume, and implement the switch without downtime. Text PJ at 858-461-8054.