Compare your merchant processing rate
See how your current processing costs compare with Crisp using the average performance of one restaurant location.
Enter your current rate, average ticket, and monthly transaction volume to estimate your effective blended rate and potential savings.
Start with one typical location. You can estimate the impact across your entire brand after viewing your results.
Tell us about one restaurant location
Enter the average monthly processing information for a typical location. After calculating your results, you can multiply the estimate across all of your locations.
Choose your current pricing model
Enter your current rate
Enter the rate exactly as it appears in your agreement or processing statement.
per transaction
Add one location's monthly volume
Use the average performance of one typical restaurant location. You can multiply the result across your entire brand afterward.
The average value of one card transaction.
The average number of card transactions processed each month.
Your comparison will appear here
Complete the three steps and select Compare rates to see your estimated blended rate and potential savings.
Results are estimates based on the average ticket size, transaction volume, pricing information, and number of locations provided. Per-location estimates assume the information entered represents a typical restaurant location. Actual results will vary by location, sales volume, card mix, transaction qualification, card network, and other factors. American Express is excluded from the estimated interchange assumption. Savings are not guaranteed.
Our interchange assumption
Interchange is the underlying cost set by the card networks and paid to the bank that issued the customer's card. It varies based on card type, debit or credit, rewards level, transaction qualification, and other factors.
For this calculator, we estimate interchange at 1.40% + 10¢ per transaction. This is intended to represent a reasonable mix of U.S. card-present restaurant transactions and excludes American Express.
Crisp's standard processing rate is modeled as interchange + 0.21% + 8¢ per transaction. The 0.21% and 8¢ represent the complete non-interchange portion of Crisp's standard processing rate.
Per-transaction fees represent a larger percentage of a small ticket. Two restaurants with the same published processing rate can have different effective blended rates when their average ticket sizes are different.
When both providers use interchange-based pricing, this calculator applies the same estimated interchange to both sides. The estimated savings are therefore driven by the percentage and transaction fees charged above interchange.
See calculation details
Monthly sales = average ticket × monthly transactions.
Estimated interchange cost = monthly sales × 1.40% + monthly transactions × $0.10.
Blended pricing: monthly sales × your percentage rate + monthly transactions × your transaction fee.
Interchange++: estimated interchange cost + monthly sales × your percentage above interchange + monthly transactions × your transaction fee above interchange.
Interchange + transaction fee: estimated interchange cost + monthly transactions × your transaction fee above interchange.
Crisp estimated cost = estimated interchange cost + monthly sales × 0.21% + monthly transactions × $0.08.
Results are estimates. Actual processing costs vary by card mix, qualification, transaction type, and other factors. American Express is excluded from the interchange assumption.
More than just payments
Processing costs matter, but the greatest value comes from connecting payments directly to the systems that take orders, serve guests, reconcile deposits, and manage a growing restaurant brand.
Payments as infrastructure, not an integration
Process payments across the register, drive-thru, online ordering, and mobile app with connected tokenization, chargeback tools, and reconciliation.
Turn live POS sales into franchise fee collection
Calculate royalties, marketing fees, technology fees, and other charges from actual Crisp sales data, then collect and reconcile them across your franchise network.
Want us to verify the comparison?
Send us your estimate and our team will review your processing structure, answer questions about the assumptions, and help determine whether your restaurant group qualifies for custom pricing.
We'll read your statement with you.
Merchant processing statements can be difficult to interpret. Send us your current statement and our team can help identify your pricing model, effective blended rate, and areas where costs may be hiding.