The math

Built-in payments usually cost more than your own merchant account.

Your effective rate is two numbers on your statement: last month's processing fees divided by last month's card sales. Put them in and compare.

The rates and the estimate

2.9–3.5%

Built-in payments, per card. Plus 1% per bank payment: $50 to collect a $5,000 job.

2.1–2.4%

Your own merchant account, typical all-in. Usually a few dollars per bank payment.

$0

What SwitchKeep costs you. We're paid through a share of processing instead.

$
$
%

Example figures; type in yours. 2.25% is the middle of what a small business typically pays all in on its own merchant account, 2.10–2.40% (Merchant Cost Consulting). An estimate. Your actual rate depends on your cards, your industry and your processor. Nothing you type leaves this page.

Your effective rate3.00%
Kept a year, after ~$300 in account fees$3,300

At 2.25%, the same cards would cost $275 less a month.

Send a statement for the exact number

Published rates and typical merchant-account costs, October 2026. See the sources

Why it's a no-brainer

Nothing to buy. Nothing to undo.

$3,300 kept a year, on the figures above. Put in yours

  • Free

    The extension and the merchant portal cost nothing. You never get a bill from us.

  • Keep your software

    Same software, same invoices, same routine. Nothing is installed in it: SwitchKeep Pay runs beside it in Chrome.

  • Nobody to ask

    Nothing for your software company to approve, and no developer to hire.

  • Easy to undo

    Uninstall it and you're exactly where you were. Your software's own payments are still there to switch back on.

  • Your own rate

    Payments run on a merchant account in your business's name, typically about 2.1–2.4% on cards.

Get your exact number.

Send last month's statement and we'll price the same month, line by line, before you decide anything.

Send your statement for an exact number How pricing works