"What does a one-point processing-rate increase cost your shop?"
"Source","https://bluefinchadvisors.com/blog/processing-rate-increase-percentage-point-shop-profit"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Unchanged period revenue","100000","currency"
"Same settled card volume in both cases","80000","currency"
"Profit after the previous processing cost","7000","currency"
"Previous percentage component","2.5","percent"
"Proposed percentage component","3.5","percent"
"Previous separately counted charges","60","currency"
"Proposed separately counted charges","85","currency"

"Results","Value","Unit"
"Additional period processing expense","825","currency"
"Profit after the rate change","6175","currency"
"Rate change in percentage points","1","number"
"Variable fee change relative to its old amount","40","percent"

"Calculation detail","Value","Unit"
"Previous complete processing cost","2060","currency"
"Proposed complete processing cost","2885","currency"
"Variable-dollar change","800","currency"
"Change in separately counted charges","25","currency"
"New modeled net margin","6.175","percent"
"Net margin change in percentage points","-0.8250000000000001","number"

"Assumptions"
"Starting figures are fictional planning examples, not a quote, verified outcome or small-business margin benchmark."
"Use matched periods and definitions. Align card sales with revenue before using a card-share comparison; deposits and unrelated collections are not revenue."
"This is a matched-volume price scenario, not evidence of why an observed effective rate changed."
"Quoted percentages must use comparable definitions. If using all-in effective rates instead, the separate-cost fields must exclude every cost already in those rates."
"Reported profit already includes the existing processing expense. The scenario adds the supported expense difference once; it does not subtract the existing fee again."
"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"
"Stripe: credit-card payment processing fee components","https://stripe.com/resources/more/credit-card-processing-fees-explained"
"IRS: why businesses should keep records","https://www.irs.gov/businesses/small-businesses-self-employed/why-should-i-keep-records"