Savings calculator
See what you would keep
Enter your sales and your current provider. We will show the difference, with no signup needed.
Rates are editable. Adjust them to match your statement exactly.
You pay now
$912.50 /mo
effective rate 3.65%
Saberpay (estimated)
$863.70 /mo
est. effective rate 3.45%
Saberpay figures are estimated from a typical card mix for your business type. Interchange is a wholesale floor every processor pays; we add interchange + 0.80% + $0.20 ($25/mo account fee). Your exact rate comes from a 2-minute statement analysis. Get your exact savings.
Interchange + 0.80%
transparent, not blended
POS from $0
up to two terminals
Tap to Phone
no hardware needed
24/7/365 support
real humans
The problem
Where your money is actually going
Every card swipe gets taxed three ways. Most owners never see the line items. They just watch the deposit come in lighter than the sale.
The percentage
A processor takes a cut of every sale, typically 2.9% and up, on every card your customers tap.
The fixed fee
Then a flat fee per transaction, usually around $0.30, stacked on top of the percentage.
The POS tax
And on a typical POS, a monthly charge for each terminal, plus add-on fees for the features you actually need.
On a 2.9% + $0.30 rate, a $40 ticket costs you $1.46. Do 3,000 of those a month and you have handed over $4,380, before the POS software bill.
How it works
Switch in three steps
Tell us your volume
Run the calculator or send a recent statement. We will show your real effective rate, with no guesswork.
Switch in days, not months
Keep your hardware or use ours. No rip and replace, no downtime at the counter.
Keep more of every sale
Interchange + 0.80% + $0.20 from day one, with reporting that shows exactly what you saved.
Why Saberpay
Three reasons, not ten
A markup that never grows
You pay the real interchange plus a flat 0.80% + $0.20. That markup is the same at $5k a month and at $500k a month. Not a blended flat rate hiding a bigger cut, not a teaser tier you age out of.
A POS that rewards growth
Start free on up to two terminals. Add table management, QR order and pay, and commission-free online ordering when you are ready, without handing a delivery app 20% of the check.
No rip and replace
Keep your existing point of sale, and even your existing processor integration. Switching takes days, not months, with no downtime at the counter.
Pricing
Transparent interchange-plus. Pick your POS.
Interchange + 0.80% + $0.20 processing on every plan (Amex 0.90%, other 0.95%), plus a $25/month account fee. Choose the software that fits how you run.
Up to 2 terminals
- Standalone payments
- Tap to Phone
- Transaction reporting
- 24/7/365 support
Up to 15 terminals
Everything in Free, plus:
- Integrate to external POS
- Integrate to external processor
- Employee management
- Saberpay online menu page
Up to 15 terminals
Everything in Lite, plus:
- Table management
- Commission-free online ordering
- QR order & pay
- Multi-location dashboard
- Advanced reporting
- Timekeeping
- Review management
Multi-location ops
Everything in Full POS, plus:
- Custom SLAs
- Advanced analytics
- Omnichannel integration
- Gift cards & loyalty
- Enterprise security
- Multi-location menu management
- Third-party integrations
- Dedicated support
Interchange-plus pricing on every plan: interchange + 0.80% + $0.20 (Amex 0.90%, other 0.95%). A $25/month merchant account fee keeps your account active. See terms for keyed-in and international exceptions.
The comparison
How Saberpay compares
Every processor pays the same wholesale interchange. The flat-rate processors most merchants use bake a large markup into one blended number. We show the interchange and add just 0.80% + $0.20, which usually lands below their blended rate.
| Processor | Online | In-person | Monthly / notable fees |
|---|---|---|---|
| Saberpay | Interchange + 0.80% + $0.20 | Interchange + 0.80% + $0.20 | $25/mo account · POS from $0 |
| Stripe | 2.9% + $0.30 | 2.7% + $0.05 | No monthly fee |
| Square | 2.9% + $0.30 | 2.6% + $0.15 | $0 / $49 / $149 plans |
| PayPal | 2.99% + $0.49 | 2.29% + $0.09 | No monthly fee |
| Shopify Payments | 2.9% + $0.30 | 2.6% + $0.10 | $39–$399/mo plan |
| QuickBooks | 2.99% invoiced | 2.5% swiped | Plan-dependent |
| Braintree | 2.59% + $0.49 | Not offered | No monthly fee |
| Amazon Pay | 2.9% + $0.30 | Not offered | No monthly fee |
| Chase (WePay) | 2.9% + $0.25 | Custom | No PCI / cancellation fee |
| Authorize.net | 2.9% + $0.30 | Not offered | $25/mo gateway + $49 setup |
Competitor rates are their published blended flat rates, which already include interchange plus their own markup in one number. Saberpay shows interchange separately and adds only the markup above. Estimated Saberpay effective rate is typically 2.5% to 2.7%, confirmed on your first statement.
Domestic (US) rates, mid-2026. Rates change, so verify against each provider's live pricing page before relying on them.
FAQ
The honest answers
See the rate for yourself.
The application takes about two minutes. Or run the numbers above first, no signup required.