Machine-shop payments and RFQ tools
Review the quoted scope, payment records and practical worksheets.
Use collected card payments
Use collected card payments for the selected period. Quoted orders, open invoices, checks and ACH are not card volume. Starting values are illustrative. The 3.54% rate is a BlueFinch client benchmark, not a machine-shop average.
Calculator formulas
Monthly card volume equals collected revenue multiplied by the card-payment share. Processing cost equals card volume multiplied by the all-in effective rate. Annualized cost assumes twelve identical months.
Cost as a share of entered profit divides the modeled processing cost by revenue times the entered margin. This is arithmetic, not a forecast or a quote. A zero denominator produces an unavailable share.
Review your shop’s workflow
Merchant statement decoder
Review the complete statement before using an effective rate.
Sources and next steps.
- 2026 processing cost report
Inspect the 3.54% BlueFinch benchmark, calculation method and dated primary sources.
- Merchant statement decoder
Use settled card volume and all fees from the same statement period.
Primary references
- Visa: cash discounts and card-acceptance rules
Visa permits a cash discount as a reduction from the standard price. Its surcharge rules are a separate program; your acquirer agreement and local requirements also apply.
- Mastercard: credit-card surcharge rules
Mastercard distinguishes credit-card surcharges from debit and prepaid transactions. Do not treat a surcharge and a posted cash/card price program as interchangeable.
Get a free three-statement audit
BlueFinch will work out your effective rate, separate fixed charges from those tied to volume, and show every cost that would remain in the proposal.
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