The Payzium calculator

See what you will pay

Move the sliders, pick your card mix. We compute your estimated effective rate from real Visa Canada and Mastercard Canada interchange schedules and our 0.30% Tier 1 margin. Available for Canadian merchants today.

Your monthly card volume

$40,000/mo

$5K$100K$500K$1M$5M+

Or type a precise value:

Channel mix

100% in-person0% online or keyed

All online50/50All in-person

Card mix

Mostly creditMostly debitI do not know

Estimated effective rate

1.15%all-in

Estimated total monthly bill: $462.72. On Tier 1 pricing. Typical tiered processors run 2.5% to 3.6% all-in.

Card-network cost (pass-through volume)

Interchange 1.310% plus assessments 0.130%. Set by Visa and Mastercard, not by Payzium. Excludes Interac.

$345.72

Interac (flat 5 cents per transaction)

In-person Interac debit. Flat 5 cents per transaction, no margin, no assessment, no per-transaction fee.

$16.00

Payzium margin

0.30% on credit volume only, automatically lower as you scale. No margin on Interac.

$72.00

Per-transaction fees

5 cents per pass-through transaction (credit at every channel and online debit). Interac transactions are not charged.

$24.00

Monthly account fee

Flat, all tiers.

$5.00

Open free account Questions about your rate? Speak with us

Calculator output is an estimate. Final pricing depends on your actual card mix, current network rates effective on the date of your transactions, and any optional add-ons. The model assumes an average transaction value of $50. Interac debit is shown at the standard contactless rate; the exact Interac fee varies slightly by merchant category. Visa and Mastercard revise their interchange schedules quarterly; this calculator reflects schedules effective April 2026.