The MaculatorTM
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The Maculator E-Commerce Profile E-Cash Options Merchant Accounts Merchant Goldmine Fee Disclosure
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Other Calculators for Merchant Accounts like the Maculator
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Calculate and compare monthly costs for Third Party Processors like 2CheckOut, Affero, BTClick&Buy, CCAvenue, CCBill, CCNow, ClickBank, DigiBuy, DigitalCandle, eCommerceGlobal, ECS World, FastPay, iBill, iKobo, ImagineNation, InstaBill, InterBill, JensleyPAY, Jettis, Kagi, MembershipPlus, MerchantBoss, Moneybookers, MultiCards, MyPaySystems, NoChex, PartyKey, Pay-Line, Paymate, PayPal, PaySat, Process54, ProPay, Reg.Net, RegNow, RegSoft, setSystems, Share*It, StormPay, SWREG, TransactIndia, Transecute, V-Share, Verotel, VolPay, Yahoo! PayDirect and over a dozen representative merchant account providers including AMS, Cardservice International, CDGcommerce.com, Charge.com, Del West Netcom, ECS World, Electronic Transfer Inc., ePagos,  goEMerchant, Internet Marketing Center, Merchant Accounts Express, Merchant-Systems.com, MerchantAccounts4Less, PayQuake,  Perfect Presence, United Bank Card UBC, VolPay and others.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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  • Calculate and Compare the Monthly Costs of Merchant Accounts
    and Third Party Processors  * Is PayPal the Best Alternative for You? 

    What's a Maculator ?

    The Maculator is a Merchant Account Cost Comparison Calculator.  Depending on your monthly sales volume, you may be surprised to discover that PayPal may not be the lowest cost alternative for you!   In some cases, Moneybookers, iKobo or UBC may be lower. See latest changes in rates and services for PayPal and alternatives.   All recent rate updates are chronicled in the Processor News Updates page.

    Because Third Party Credit Card Processors like PayPal and iBill vary their rates for different levels of sales volumes, you need a way to estimate your monthly processing costs for both current levels and expected increases. 

    The MaculatorTM makes it easy for you to enter different sales volumes and calculate

    the monthly costs for Third Party Processors whose rates are already loaded in the database.

    Nearly every Third Party Processor on the web, more than 40 at last count, is already listed in this database.  More than 10 of these have a complex rate scheme of at least two tiers of rates or fees.  In addition, a selection of representative Merchant Account Providers is also listed. You can also enter the fees for any other merchant account offer and have the Maculator calculate and compare the monthly costs. 

    Pre-loaded Provider Data

    The Merchant Account Providers and 3rd Party Processors listed below can all be selected in the MaculatorTM Compare Rates drop-down lists for side-by-side comparison in either column "A" or "B".  

    Use the drop-down list below to filter your selection to Merchant Accounts, 3rd Party Processors, Digital Only, Multi-Currencies, Multi-Languages, Multi-Countries, High Risk Content, Affiliate Opportunities and other choices including Free Setup, Annual, Monthly Fees and various Discount Rate brackets .  Use the Currency Converter for comparing international alternatives.

    To start, select an appropriate filter and press the Maculate Me! link on any listed item to load the rates in the Maculator "A" column for the selected provider. This is a shortcut to the Maculator.

    If you still can't decide after using the Maculator, the E-Commerce Profile may help to get you the best deal.  If you are already processing $30-50k+ monthly, contact us at b2bexec [AT]mgoldmine.com to see if we can get you a better deal?

     Maculator Pre-Loaded Providers List

    Merchant Accounts Selected - Use Drop-Down Tab above for 3rd Party Processors and Low Rates Selections
    AMS Merchant Account Services - MA Merchant Account Offer: Internet Disc Rate: 2.25 Tiers: 1
    Rate Floor: 2.25 Item Min Disc: 0.00 Tran Fee: 0.30 Batch Fee: 0.30 Monthly Min: 25.00
    Gateway Fee: 10.00 Statement Fee: 10.00 Annual Fee: 0.00 Setup Fee: 99.00 Payment Cycle: Daily
    Languages: Many Currencies: Many Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US and Many Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: Advanced Merchant Services (AMS) offers low rates for Internet accounts of 2.25% plus a $0.30 transaction fee * the Authorize.net gateway bundle is provided for a $99 setup fee and $10 a month * Over 190 shopping carts are compatible with this gateway arrangement * Low internet account rates and monthly fees makes AMS an attractive opportunity for e-commerce start-ups and 3rd party upgrades
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    Cardservice International - MA Merchant Account Offer: Internet Disc Rate: 2.39 Tiers: 1
    Rate Floor: 2.39 Item Min Disc: 0.00 Tran Fee: 0.25 Batch Fee: 0.30 Monthly Min: 25.00
    Gateway Fee: 19.95 Statement Fee: 10.00 Annual Fee: 0.00 Setup Fee: 00.00 Payment Cycle: Daily
    Languages: Many Currencies: Many Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US and Many Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: Cardservice International® is an industry leader in credit card processing for traditional and Internet businesses * They offer merchant accounts with competitive pricing, customer service 24 hours a day, 7 days a week, in 140 languages and dialects, and one of the largest credit card fraud, loss prevention and chargeback departments in the credit card processing industry * Cardservice International has a 95% approval rate for merchant accounts, and merchant accounts are generally approved in two business days * A complete range of products and services to enable e-commerce success including the LinkPoint Secure Payment and multi-language and multi-currency support * The free Merchant Accounts Insiders Guide contains very usefull information for all merchants * Sign up as an affiliate with Cardservice International® to bring in extra revenue including residuals!
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    CDGcommerce.com - MA Merchant Account Offer: Internet-MOTO Disc Rate: 2.35 Tiers: 1
    Rate Floor: 2.35 Item Min Disc: 0.00 Tran Fee: 0.30 Batch Fee: 0.35 Monthly Min: 25.00
    Gateway Fee: 12.00 Statement Fee: 10.00 Annual Fee: 0.00 Setup Fee: 00.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: No Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: With CDGcommerce, you get EVERYTHING under one roof - right from the source: new account approvals, deployment, merchant, customer and technical support are all provided directly to you * Services include FREE Merchant Portal Web Reporting - gain access to the most detailed journal-entry level Web transaction reporting system, FREE Fraud Assassin - benefit from the most comprehensive protection against fraudulent orders and high risk transactions, FREE Chargeback Defender - receive chargeback notifications via e-mail and defend against them via their unique pro-active rebuttal system
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    Charge.com Cardservice - MA Merchant Account Offer: Internet-MOTO Disc Rate: 2.39 Tiers: 1
    Rate Floor: 2.39 Item Min Disc: 0.00 Tran Fee: 0.25 Batch Fee: 0.30 Monthly Min: 25.00
    Gateway Fee: 29.95 Statement Fee: 10.00 Annual Fee: 0.00 Setup Fee: 00.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: Charge.com provides internet gateway technology and full merchant account services to give you everything you need in one package for most merchants * Charge.com offers an Internet e-commerce account for a 2.39% discount rate and $0.25 per transaction * The monthly service fee is $10 and the gateway monthly fee is $29.95 * No setup fees and you can also apply for your American Express account for no cost * You can usually save money by dealing directly with a gateway provider rather than a reseller
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    Del West Netcom - MA Merchant Account Offer: Internet Disc Rate: 2.21 Tiers: 1
    Rate Floor: 2.21 Item Min Disc: 0.00 Tran Fee: 0.30 Batch Fee: 0.00 Monthly Min: 15.00
    Gateway Fee: 19.95 Statement Fee: 7.50 Annual Fee: 0.00 Setup Fee: 50.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: If you like to pick and choose your options from a wide variety of programs and services, investigate the offerings of Del West Netcom * In addition to numerous technologies and tools, options for international merchants are also provided for reasonable rates
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    Del West Easy Qualify - MA Merchant Account Offer: Internet Disc Rate: 2.55 Tiers: 1
    Rate Floor: 2.55 Item Min Disc: 0.00 Tran Fee: 0.30 Batch Fee: 0.30 Monthly Min: 25.00
    Gateway Fee: 19.95 Statement Fee: 10.00 Annual Fee: 0.00 Setup Fee: 25.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: If you like to pick and choose your options from a wide variety of programs and services, investigate the offerings of Del West Netcom * In addition to numerous technologies and tools, options for international merchants are also provided for reasonable rates * Del West Easy Qualify costs a little more but allows merchants with credit problems to qualify
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    ECS World - MA Merchant Account Offer: Dedicated Merchant Account Disc Rate: 12.00 Tiers: 1
    Rate Floor: 3.00 Item Min Disc: 0.00 Tran Fee: 0.50 Batch Fee: 0.25 Monthly Min: 99.00
    Gateway Fee: 99.00 Statement Fee: 00.00 Annual Fee: 0.00 Setup Fee: 500.00 Payment Cycle: Weekly
    Languages: Russian Chinese English Currencies: EUR USD GBP YEN HKD CAD + Cards: VIS MSC AMX DIN DSC JCB Switch Solo Maestro UK Debit Visa Delta Visa Electron Digital Only: No Download Support: No
    Merchant Countries: US and Many Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: Yes Directory Marketing: Yes
    Notes: ECS World has been facilitating both Internet Merchant Accounts and 3rd party processing for over 6 years * They have the knowledge, experience and Worldwide Banking partners in place to advise all Internet-based businesses (high risk too!) on the best real-time credit and debit card payment processing solution for their business * Fraud Protection includes efalcon, Verified by Visa and MasterCard SecureCode * Merchant product lines include online pharmacies, online casinos, sportsbook, adult entertainment, MOTO, and more * Rates vary between 3%-12% depending on product line
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    Electronic Transfer Inc - MA Merchant Account Offer: Internet Disc Rate: 2.18 Tiers: 1
    Rate Floor: 2.18 Item Min Disc: 0.00 Tran Fee: 0.29 Batch Fee: 0.25 Monthly Min: 25.00
    Gateway Fee: 14.95 Statement Fee: 10.00 Annual Fee: 0.00 Setup Fee: 00.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: Electronic Transfer Inc is a credit card processing company with one of the highest approval rates in the industry offering credit-worthy merchants responsive turnaround on their applications * ETI offers no arbitrary processing limits -- they handle both the "mom and pop" business as well as the million-dollar company * They also have the ability to set low rates and reserve requirements based on your type of business and charge back history for your business type
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    ePagos - MA Merchant Account Offer: Internet USA Disc Rate: 2.25 Tiers: 1
    Rate Floor: 2.25 Item Min Disc: 0.00 Tran Fee: 0.29 Batch Fee: 0.25 Monthly Min: 25.00
    Gateway Fee: 19.95 Statement Fee: 150.00 Annual Fee: 0.00 Setup Fee: 150.00 Payment Cycle: Daily
    Languages: Spanish Portuguese English Currencies: USD Cards: VIS MSC AMX Digital Only: No Download Support: No
    Merchant Countries: US and Many Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: ePagos is based in Florida and provides complete e-commerce solutions for North, Central and South American business * These rates include gateway fees and full multi-language support for merchants * Agreements with Equifax and Digital Courier allow ePagos to offer businesses based in the United States and the Caribbean a service enabling online credit card processing * Fees for other Latin American countries vary * ePagos is US-based and accepts merchants from Argentina Belize Bolivia Brazil Chile Columbia Costa-Rica Ecuador ElSalvador Guatemala Honduras Mexico Nicaragua Panama Peru Puerto-Rico Republica-Dominicana Suriname Uruguay USA Venezuela
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    goEMerchant - MA Merchant Account Offer: Internet Disc Rate: 2.39 Tiers: 1
    Rate Floor: 2.39 Item Min Disc: 0.00 Tran Fee: 0.30 Batch Fee: 0.25 Monthly Min: 25.00
    Gateway Fee: 19.95 Statement Fee: 15.00 Annual Fee: 29.95 Setup Fee: 00.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: goEMerchant provides a complete set of e-commerce tools * For $59.95 a month GoEmerchant packages the Internet Store, Buy_Me Button and Cyber Circular which organizes a list of e-mail addresses from your customers and helps you keep them informed of promotional offerings
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    Internet Marketing Center - MA Merchant Account Offer: Internet Disc Rate: 2.40 Tiers: 1
    Rate Floor: 2.40 Item Min Disc: 0.00 Tran Fee: 0.35 Batch Fee: 0.30 Monthly Min: 25.00
    Gateway Fee: 10.00 Statement Fee: 10.00 Annual Fee: 0.00 Setup Fee: 00.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: Internet Marketing Center provides a complete e-commerce solution called Total Merchant Services.  The package includes the TotalPay gateway backed by Authorize.net for only $397 * You may qualify for Fast-Track Auto-Approval with these criteria: Visa/MC Monthly Volume Less Than $10K, Average Ticket Less Than $300, Future Service Liability Less Than 30 Days, Acceptable Type Of Business
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    Merchant Accounts Express - MA Merchant Account Offer: Internet - Mail Order Disc Rate: 2.28 Tiers: 1
    Rate Floor: 2.28 Item Min Disc: 0.00 Tran Fee: 0.25 Batch Fee: 0.30 Monthly Min: 25.00
    Gateway Fee: 19.95 Statement Fee: 9.95 Annual Fee: 0.00 Setup Fee: 0.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: Merchant Accounts Express can setup your business with a merchant account to accept all major credit cards, at the lowest possible cost * They offer only bank direct merchant accounts, saving their merchants thousands of dollars per year in credit card processing costs! * They even provide a 110% price guarantee to give you 30 days to find a lower price after you sign up!
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    Merchant-Systems.com - MA Merchant Account Offer: Internet Disc Rate: 2.47 Tiers: 1
    Rate Floor: 2.47 Item Min Disc: 0.00 Tran Fee: 0.30 Batch Fee: 0.30 Monthly Min: 25.00
    Gateway Fee: 15.00 Statement Fee: 12.00 Annual Fee: 0.00 Setup Fee: 0.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: Merchant-Systems.com is a complete e-commerce source.  Account applications are expedited by email and they have a 99% approval rate * Merchant-Systems.com offers more service for less money including: E-Commerce Merchant Account, SSL Secure Order Form, Virtual Terminal, Automated Web Site Ordering, Free Shopping Cart, Free Web Hosting, Free Starter Web Page, Web Design, Automated Recurring Billing, Passcode Member Management, Customer Database Management, E-mail Marketing Tools and Product Database Management!
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    PayQuake Pay For Play - MA Merchant Account Offer: Pay For Play Disc Rate: 3.79 Tiers: 1
    Rate Floor: 3.79 Item Min Disc: 0.00 Tran Fee: 0.50 Batch Fee: 0.25 Monthly Min: 25.00
    Gateway Fee: 0.00 Statement Fee: 0.00 Annual Fee: 49.00 Setup Fee: 0.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US and Many Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: 1-tier rates * PayQuake Pay For Play rates include gateway and all monthly fees * You can choose a PayQuake plan with a lower discount and tran fee and higher monthly fees * Compare these rates with the Maculator to see which one is best for your expected sales volume * All PayQuake plans include free gateway fees * International rates may be higher * Apply online for quick approval
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    PayQuake Select - MA Merchant Account Offer: Select Disc Rate: 2.79 Tiers: 1
    Rate Floor: 2.79 Item Min Disc: 0.00 Tran Fee: 0.40 Batch Fee: 0.25 Monthly Min: 25.00
    Gateway Fee: 0.00 Statement Fee: 9.95 Annual Fee: 49.00 Setup Fee: 99.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US and Many Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: 1-tier rates * PayQuake Select rates include free gateway fees * You can choose a PayQuake plan with a lower discount and tran fee and higher monthly fees * Compare these rates with the Maculator to see which one is best for your expected sales volume * All PayQuake plans include free gateway fees * International rates may be higher * Apply online for quick approval
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    PayQuake Pro - MA Merchant Account Offer: Pro Disc Rate: 2.39 Tiers: 1
    Rate Floor: 2.39 Item Min Disc: 0.00 Tran Fee: 0.30 Batch Fee: 0.25 Monthly Min: 25.00
    Gateway Fee: 0.00 Statement Fee: 19.95 Annual Fee: 49.00 Setup Fee: 99.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC JCB Digital Only: No Download Support: No
    Merchant Countries: US and Many Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: 1-tier rates * PayQuake Pro rates include free gateway fees * You can choose a PayQuake plan with a lower discount and tran fee and higher monthly fees * Compare these rates with the Maculator to see which one is best for your expected sales volume * All PayQuake plans include free gateway fees * International rates may be higher * Apply online for quick approval
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    Perfect Presence - MA Merchant Account Offer: Internet Disc Rate: 2.35 Tiers: 1
    Rate Floor: 2.35 Item Min Disc: 0.00 Tran Fee: 0.30 Batch Fee: 0.25 Monthly Min: 20.00
    Gateway Fee: 30.00 Statement Fee: 10.00 Annual Fee: 0.00 Setup Fee: 40.00 Payment Cycle: Daily
    Languages: English Currencies: USD Cards: VIS MSC AMX DIN DSC Digital Only: No Download Support: No
    Merchant Countries: US Affiliate Opportunity: Yes Merchant Resellers: No High Risk Content: No Directory Marketing: No
    Notes: With Perfect Presence the $40 application fee is fully refundable if approved * Perfect Presence boasts a 99% application approval rate * You can purchase the TotalPay software by Authorize.net for $695 * Other gateway solutions available * Perfect Presence also provides complete e-commerce solutions including Web Hosting, Web Development, Domains, POS Equipment and Connectivity * If you need a complete solution, you can get it here! * An excellent Affiliates program including residual payments for all active accounts will provide an extra revenue stream!
              Top of Page Calculate Monthly Costs ---> (for above)  Maculate Me!
    United Bank Card Internet - MA Merchant Account Offer: Internet Merchant Account Disc Rate: 2.15 Tiers: 1
    Rate Floor: 2.05