The Processing-Fee & Reconciliation Leak Calculator

See roughly how much margin your books might be hiding in the gap between what you sold and what actually hit the bank. Takes about 60 seconds.

Total monthly card sales All entities combined, before fees ($)

Effective processing fee rate Typical blended rate is 2.5–3.5%

Number of entities Separate sets of books

Months since last full reconciliation Books tied to the processor's deposits

Annual card-processing cost The fee inside every deposit. If your books record only the net, this whole number is invisible in your P&L — and a deduction you may not be capturing cleanly.

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Card revenue currently unverified Sales that haven't been checked against what the bank actually received since your last reconciliation.

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Books that have to agree Every entity is another place the numbers can drift. More books, more chances to slip.

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Not sure your books tie to your deposits?

We'll pull your settlement reports and show you the real number — per entity — before quarter-end.

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Estimate only. This tool gives a rough, illustrative figure based on the numbers you enter. It is not accounting, tax, or financial advice, and actual amounts depend on your processors, entity structure, and how your books are kept. Processing fees are generally deductible when properly recorded; treatment varies by situation.