Finance Tools

Online Payment Provider Switching Cost Calculator

Estimate switching costs when changing payment providers and calculate how long it takes to recover those costs from monthly fee savings.

Online Payment Provider Switching Cost Calculator

Estimate the cost of switching payment providers and how long it takes to recover that cost from monthly savings.

Integration work, onboarding, training, downtime, tooling changes, etc.

Estimate how much less you’ll pay in processing fees per month.

Any new monthly costs after switching (subscriptions, tools, admin time).

Net Monthly Savings$400.00
Payback period: 7.50 months

If your net monthly savings are small, switching may take a long time to pay off. Consider non-fee factors like reliability and payout speed.

How it works

The payback period is calculated as one-time switching cost divided by net monthly savings (monthly savings − monthly added costs).

This calculator provides estimates for comparison purposes only. Actual costs and savings vary based on your provider terms, implementation complexity, and operational changes.

How to use this online payment provider switching cost calculator

  1. Enter one-time switching costs (integration, onboarding, downtime).
  2. Enter your estimated monthly fee savings after switching.
  3. Optionally enter monthly added costs after switching.
  4. View net monthly savings and payback period (months to break even).

Example

Estimate payback period after switching payment providers.

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