Finance Tools
Credit Card vs ACH Payment Fee Calculator
Compare credit card and ACH payment fees to determine the most cost-effective option for your transaction volume.
Credit Card vs ACH Payment Fee Calculator
Compare credit card and ACH payment fees to see which payment method costs less for your transaction.
How it works
Credit card fees scale with transaction size, while ACH fees are often flat. Larger payments usually favor ACH.
How to use this credit card vs ach payment fee calculator
- Enter the transaction amount.
- Enter credit card fee structure.
- Enter ACH flat or percentage fee.
- Compare total fees for each payment method.
Example
Compare credit card vs ACH for a $2,000 payment.
- Transaction amount: $2,000
- Credit card fee (2.9% + $0.30): $58.30
- ACH flat fee: $5.00
- Cheaper option: ACH
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