Advanced Veterinary Surcharging Calculator: Net Savings Model

Surcharging calculator

How much could your practice save with credit card surcharging?^† (Estimates are provided for informational purposes only and are not a guarantee of savings, eligibility, or availability.)

What state/province is your practice in?

Current volumes & rates

Monthly credit card volume (USD $)

Enter your average monthly credit card volume only.

Monthly debit card volume (USD $)

Enter your average monthly debit card volume only.

Avg. credit card processing rate

Your current effective rate for credit card processing. Check a recent statement; make sure to exclude debit card transactions.

Avg. debit card processing rate

Your current effective rate for debit card processing. Check a recent statement; make sure to exclude credit card transactions.

Surcharging

Surcharge rate

[Example value: 3%] The estimated surcharge rate applied to eligible credit card transactions only, where permitted. The surcharge amount varies by state or province and is automatically set based on your selected location, subject to applicable legal, card-network, processor, and Scratch Checkout program limits.

Estimated % of clients shifting from credit to debit

Some patients may choose to pay by debit to avoid surcharge fees, which may increase your debit volume. Actual client payment behavior may vary.

Monthly card fees paid by your practice

	Before	After	Difference
Card volume
Credit Card	$100,000	$91,000	−$9,000
Debit Card	$50,000	$59,000	+$9,000
Monthly fees
Credit Card Fees	$2,800	$0*	+$2,800
Debit Card Fees	$750	$885	+$135
Total Monthly Fees	$3,550	$885	−$2,665
Total Annual Fees	$42,600	$10,620	−$31,980

*Assumes eligible credit card processing fees are fully offset by permitted surcharges. Actual post-surcharge credit card fees may vary and savings are not guaranteed.

^†Assumes eligible credit card processing fees are fully offset by permitted surcharges. Actual post-surcharge credit card fees may vary and savings are not guaranteed

*Actual savings may vary and are not guaranteed. This calculator is provided for informational purposes only and should not be relied on as a promise, guarantee, or assurance of savings, eligibility, availability, or compliance. Surcharging is optional and is not applied to debit or prepaid cards. Scratch Checkout surcharging is not available in Connecticut, Massachusetts, Maine, Quebec, or any other jurisdiction or transaction type where surcharging is prohibited or unsupported. Additional rules, caps, notice requirements, and disclosure requirements may apply by state, province, card network, processor, merchant configuration, and transaction type. Clinics should consult their own legal counsel regarding applicable surcharging requirements, limitations, and disclosures before implementing a surcharge program.

Current monthly fees

$3,550^*

Monthly card fees paid by your practice across both credit and debit cards

Monthly fees after surcharging

$885^*

After surcharging, your practice may reduce eligible credit card processing costs while continuing to pay fees for debit, prepaid, and any other transactions or charges that are not eligible for surcharging. Actual fees and savings may vary.

Estimated potential savings

$2,665^* / month

$31,980^* / year

Simplified Surcharging Calculator

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Advanced Surcharging Savings Calculator:
Net Projections With Debit & Client Shift

Surcharging calculator

Practices Thrive with Surcharging.

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Advanced Surcharging Savings Calculator: Net Projections With Debit & Client Shift

Surcharging calculator

Practices Thrive with Surcharging.

Advanced Surcharging Savings Calculator:
Net Projections With Debit & Client Shift