EBS Calculators
Run Your Own Numbers.
Every EBS calculator lives on this page — the savings estimator and the True Rate worksheet, running the same published math as our pricing page: interchange + 0.50% plus a per-sale fee by ticket, $35 a month flat. No email is required to use the tools; the math runs right here. Want a person instead? Call (202) 505-4332, Monday to Saturday, 9 AM to 9 PM ET.
Authorized Partner of Paysafe
01 — Savings Estimator
The Savings Estimator
Type your volume and your current effective rate; if you only know last month's total fees, enter those and the rate fills itself in. No email required to use it — add your details only if you want EBS to verify the numbers.
What Could You Keep?
Results update live. Estimate only; the free review gives your exact figure.
Estimate: interchange + network at a standard 1.75% blend + $0.10 per sale, + 0.50% processing fee + per-sale fee by ticket + $35/mo — the same model as our published worked examples. Average ticket $50 assumed if left blank. Your mix sets the real number. This is an estimate, not a verified statement analysis — send us your statement and we will verify the exact figure in writing.
Who are these numbers for?
Add your business and a way to reach you so EBS knows who sent these numbers.
Email or phone is required for follow-up.
02 — True Rate Worksheet
Three Numbers. Thirty Seconds.
The Learning Hub's Track 01 teaches the math; this worksheet runs it on your numbers. Enter last month's card volume and the total fees you actually paid. Nothing is sent anywhere while you run it — the math happens on this page, in your browser. Add your details under the result only if you want EBS to verify the numbers.
Find Your True Rate
Use a full month — a partial month distorts monthly fees. Include every fee line on the statement: interchange, assessments, processing fee, monthly and per-item charges.
Sets your average ticket, which prices the per-transaction part of interchange. Blank = $50 average ticket.
Total fees ÷ total volume. The one honest measure of what you pay.
Interchange + 0.50% + per-sale ladder + $35/mo flat, on the standard model below.
The estimated difference, per month and per year.
How the estimate works — assumptions shown. This is an estimate, not a quote. It uses the same standard model as the EBS calculators and worked examples: interchange and network fees at a standard blended 1.75% plus $0.10 per transaction, plus the published EBS processing fee of 0.50% plus the per-sale ladder ($0 under a $25 ticket, $0.05 at $25–$50, $0.10 at $50+) and the $35/mo flat merchant-services fee. Your real card mix will move the number up or down — premium rewards cards cost more, debit costs less. The exact figure comes from a statement review, where we price your actual mix line by line.
Who are these numbers for?
Add your business and a way to reach you so EBS knows who sent these numbers.
Email or phone is required for follow-up.
Reading the Result
What the Three Numbers Mean
Your Effective Rate
The truth of your current account
Your effective rate is total fees divided by total volume. Ignore the rate on the brochure; this is the number to compare. A debit-heavy business should sit noticeably lower than a rewards-credit-heavy one. If yours does not, the processing fee is eating the difference.
The EBS Estimate
Published pricing, same volume
The estimate prices the same volume on published EBS pricing: interchange passed through at cost, plus 0.50% plus the per-sale ladder, plus $35/mo flat. Because the blend is standardized, treat it as a planning figure — directionally honest, not exact.
The Difference
What stays in the business
The difference is what stays in the business if the estimate holds on your real mix. If the worksheet says your current cost already beats the estimate, believe it — and a free statement review will confirm it in writing, either way.
03 — The Human Path
Prefer a Person? Two Free Ways In.
The calculators are honest, but they are estimates. When you want a person and an exact number, these are the two doors.
Growth Check
See Where the Money Leaks
A short guided check of how your business takes payments today — processing, equipment, and the fees around them — measured against what the same setup costs at published EBS pricing.
Statement Review
Your Exact Number, in Writing
Send us last month's statement. We decode your true effective rate and put it in writing next to ours — interchange + 0.50% + per-sale ladder, $35/mo flat. If your current setup wins, we will tell you to stay put.
Start My Free Review