"Use net profit, not gross margin, to judge the fee burden"
"Source","https://bluefinchadvisors.com/blog/gross-margin-net-margin-card-processing-costs-shop"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Period revenue","80000","currency"
"Direct job costs, excluding processing","44000","currency"
"Other costs, excluding processing","26400","currency"
"Separately recorded processing expense","1600","currency"
"Current fee expense removed in the scenario","1200","currency"
"New or additional recurring costs","0","currency"

"Results","Value","Unit"
"Gross profit in this classification","36000","currency"
"Simplified final remainder","8000","currency"
"Fee compared with final remainder","20","percent"
"Scenario final remainder","9200","currency"

"Calculation detail","Value","Unit"
"Gross margin","45","percent"
"Final-remainder margin","10","percent"
"Fee compared with gross profit","4.444444444444445","percent"
"Net recurring cost change","1200","currency"

"Assumptions"
"Starting figures are fictional planning examples, not a quote, verified outcome or small-business margin benchmark."
"Processing is excluded from direct and other costs, then deducted exactly once. Do not use this model without adjusting inputs if your books classify it elsewhere."
"The final remainder is simplified. It is not verified net profit if relevant costs or taxes are missing."
"Replacement scenarios hold revenue and other expenses unchanged, exclude further tax effects and do not predict customer behavior."
"Enter remaining or proposed charges only after checking written terms. Blank unknowns are not zero; all fields must be completed before calculation."

"Result notes"
"Negative differences remain visible. A negative profit denominator gives a signed mathematical ratio, not a share of positive profit. Zero denominators are unavailable."

"Sources"
"IRS: business recordkeeping","https://www.irs.gov/businesses/small-businesses-self-employed/recordkeeping"
"NYU Stern: January 2026 U.S. industry margins","https://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/margin.html"