Want a True Look at What You are Currently Paying?
How Effective Rates Work — and Why Curvoro Digs Deeper
Most businesses are quoted a low-sounding rate — something like 1.99% — and assume that’s what they’re actually paying. But that’s rarely true.
Your effective rate is the real percentage of your credit card sales that goes to processing fees after all charges are factored in — not just the base rate. That includes:
- Interchange fees
- Processor markups
- Batch fees
- Statement and PCI compliance fees
- Non-qualified or mid-qualified surcharges
- Other “junk” fees most processors never mention
Effective Rate = Total Fees Paid ÷ Total Credit Card Sales
Even if you were quoted a competitive rate, your true cost could be 3.2% or higher once everything is added up.
What Curvoro Does Differently: When you upload your statement, we don’t just guess. We perform a full analysis of your fees and give you:
- Your actual effective rate based on real dollars
- A detailed, line-by-line breakdown of every charge
- Which fees are legitimate — and which ones are junk
- A side-by-side comparison to our pricing: Interchange + 0.5% + $0.05/transaction
Whether you’re overpaying by a little or a lot, we’ll show you exactly where your money is going. No games. No spin. Just the numbers.