Square
$2.75
Estimated processing cost on a $100 card-present sale.
Savings calculator
Compare processors with real numbers.
Estimate monthly processing costs across Square, Stripe, and Lubao-Payroc programs. Adjust your volume, ticket size, and card mix to see where flat-rate pricing helps — and where it may start costing too much.
Calculator results are estimates only and are not a quote, approval, or guarantee of savings. Final pricing, fees, equipment, and program availability are subject to underwriting, Payroc/service-provider approval, applicable rules, and the approved merchant agreement.
Live comparison
Estimated monthly processing cost
Processors and Lubao-Payroc programs are shown as columns so the cost difference is easy to compare.
Lowest: ConsumerChoice
Benchmark cost
$0
Based on selected benchmark.
Lowest Lubao estimate
$0
Based on current inputs.
Potential annual spread
$0
Before equipment, gateways, and underwriting-specific pricing.
Swipe sideways to compare all pricing options.
| Square Free | Stripe Standard | Lubao-Payroc Interchange+ | Lubao-Payroc RewardPay Choice | Lubao-Payroc ConsumerChoice | |
|---|---|---|---|---|---|
| Pricing model | Flat-rate processing | Flat-rate online / terminal pricing | Interchange + markup | Surcharge on eligible credit cards | Dual pricing: card price and discounted cash/ACH price |
| Estimated monthly cost | $0 | $0 | $0Illustrative. Final pricing requires statement review. | $0Includes $39.99/mo program fee and estimated debit cost. | $0Includes $39.99/mo program fee. Processing cost is built into card pricing or offset by cash discount structure. |
| Estimated annual cost | $0 | $0 | $0 | $0 | $0 |
| Compared to benchmark | — | — | — | — | — |
| Customer impact | Customer sees normal sale price. | Customer sees normal sale price. | Customer sees normal sale price. | Credit customers see surcharge where allowed; debit/prepaid are not surcharged. | Customer sees card price and a discounted cash/ACH price. |
Important: This calculator is illustrative and is not a quote, approval, or guarantee of savings. Competitor examples use Square Free and Stripe Standard domestic card rate assumptions shown in the calculator logic and may not include every fee, plan, hardware cost, software cost, chargeback fee, add-on, tax, assessment, international fee, manual-entry fee, ACH fee, API-specific fee, or account-specific pricing term. Interchange+ depends on actual card mix, interchange categories, assessments, authorization fees, transaction types, and approved markup. RewardPay Choice and ConsumerChoice availability, surcharge/dual-pricing setup, and final pricing are subject to program rules, applicable law, card-brand rules, state availability, underwriting, Payroc/service-provider approval, and the approved merchant agreement.
Real-world example
What happens on a $100 sale?
Toggle the scenario to see how the same sale looks across processors and Lubao-Payroc programs.
Stripe
$2.75
Estimated processing cost on a $100 card-present sale.
Lubao-Payroc Interchange+
$2.45
Illustrative Interchange+ cost. Exact cost depends on card type and approved pricing.
Lubao-Payroc RewardPay
$0.00
Credit sale example: eligible surcharge is paid by the credit-card customer; debit is handled differently.
Lubao-Payroc ConsumerChoice
$0.00
Card/cash pricing structure is designed so the advertised prices account for payment acceptance cost.
Flat-rate is simple. Square Free and Stripe Standard are easy to understand, but the cost usually rises directly with every card dollar processed.
Interchange+ is transparent. The merchant pays the true card costs plus a disclosed markup.
Choice programs change the math. RewardPay and ConsumerChoice are designed to reduce how much processing cost the merchant absorbs.
Next step
Want the exact numbers from your statement?
The calculator shows the opportunity. A statement review shows the real fee categories, effective rate, monthly fees, and which Payroc program fits best.
By requesting statement analysis or next steps, you authorize Lubao LLC to use the information provided to evaluate merchant-services options and to coordinate with Payroc and/or its bank, processor, underwriting, technology, or service-provider partners as needed. Please do not submit cardholder data, full card numbers, CVV/CVC codes, PIN data, or other sensitive customer payment information.
You can also bring your current processing statement to a call. Lubao will compare your current fees against Payroc-backed program options.