Enter your monthly volume and the rate from your own processing agreement to get an illustrative estimate of processing costs.
Illustrative monthly fee estimate based on your inputs
| Illustrative Effective Rate | — |
| Daily Average (est.) | — |
| Annual Estimate (if constant) | — |
| Annual Volume (input × 12) | — |
| Net Revenue Estimate (after fees) | — |
It applies arithmetic to the rate and volume you enter — giving an illustrative monthly and annual cost estimate. It does not connect to live rate databases, processor systems, or external sources. All results depend entirely on the accuracy of your inputs.
Find your exact MDR rate on your processing statement or merchant agreement. Enter your real volume and transaction count. Do not enter assumed rates — results will only be meaningful if your inputs reflect actual figures from your own agreement.
This tool uses a simple flat-rate model. Real processing costs involve interchange tiers, card type variations, monthly minimums, chargeback fees, currency conversion, and many other variables not captured here. The estimate may differ materially from your actual charges.
The Merchant Discount Rate (MDR) is a term used to describe the fees a merchant pays to accept card payments. It appears on monthly processing statements. The actual structure, calculation method, and amount of these fees vary significantly depending on the processor, country, card type, business category, and agreement terms. This content is general and educational only — it should not be treated as advice applicable to your specific situation.
In many processing agreements, a quoted rate is applied as a percentage of transaction volume, plus an optional fixed fee per transaction. However, the underlying cost structure is typically more complex, involving interchange fees set by card networks, scheme fees, and processor margins. This tool models only the simplified surface-level calculation.
Your real processing costs are determined by many factors this tool cannot account for:
Processing agreements use different structures — flat-rate, tiered, and interchange-plus are common terms you may encounter. Each has different transparency and cost characteristics. The right structure for any business depends on that business's specific circumstances. This tool cannot assess which structure is appropriate for you — consult your processor or a qualified payment consultant for guidance.
For Estimation & Informational Purposes Only. The QuadraPay MDR Processing Fee Estimator and all other calculator tools published on this website (collectively, "the Tools") are provided solely for general informational and illustrative purposes. All figures, fee estimates, effective rates, annual projections, and any other outputs generated by the Tools are approximations only, derived entirely from the values you enter. They should not be treated as accurate representations of actual processing costs, quotes, offers, or financial obligations of any kind.
No Accuracy Guarantee. QuadraPay makes no representation, warranty, or guarantee — express or implied — that the outputs of the Tools are accurate, complete, current, or applicable to your specific business, processing agreement, industry, or jurisdiction. Actual merchant processing fees are determined by your individual agreement with your payment processor and may differ materially from any estimate produced by this tool. The Tools use simplified mathematical models that cannot replicate the complex pricing structures, interchange tiers, card type variations, surcharges, and other fee components that determine real processing costs.
Not Financial, Legal, or Professional Advice. Nothing in the Tools or on this website constitutes financial advice, investment advice, accounting advice, legal advice, tax advice, payment processing advice, or any other form of professional advice. QuadraPay is a merchant services consultancy and payment solutions reseller — not a licensed financial adviser, payment institution, acquiring bank, legal firm, or regulatory body. You should always consult qualified independent professionals before making any financial, commercial, or contractual decisions.
No Regional or Regulatory Application. The currency selector in this tool affects display formatting only. The Tools do not apply interchange caps, card scheme regulations, consumer protection rules, local tax laws, payment services regulations, or any other jurisdiction-specific legal or regulatory framework. Processing costs and applicable regulations differ significantly across countries and regions. Do not use the outputs of this tool as a substitute for jurisdiction-specific advice from a qualified local professional.
No Industry-Specific Claims. The Tools do not account for the specific pricing implications of your industry classification, merchant category code (MCC), risk profile, or processing history. Businesses in regulated, restricted, or specialist categories may face materially different pricing structures, terms, and conditions that the Tools cannot model. Any general rate ranges mentioned in educational content on this page are broad illustrative examples only and may not reflect rates available or applicable to any specific business.
No Liability. QuadraPay, its directors, employees, agents, affiliates, and partners expressly disclaim all liability for any loss, damage, cost, expense, or consequence — whether direct, indirect, incidental, special, consequential, or punitive — arising from or in connection with your use of, or reliance on, any output, estimate, or information produced by the Tools.
Data Privacy. No data you enter into this tool is transmitted to QuadraPay's servers or stored in any form. All calculations are performed locally in your browser.
By using the Tools, you acknowledge that you have read and agree to these terms. For real, personalised payment processing information, contact QuadraPay directly.