Price & marginFree
Card Machine and Card Fee Simulator
Works out what lands in your account for each payment method (Pix, debit, credit in one payment and installments), what early settlement costs and the price that covers the fee.
- No sign-up
- Runs in your browser
Payment method
Reference from 11/2026: 3,2% fee and the money lands in 30 days. Adjust it to your card machine.
Choose the payment method and enter the sale amount to see what lands in your account.
Formulas
- Cost = sale × fee% + sale × (early settlement% ÷ 30) × average days + rent ÷ sales per month
- You receive = sale − cost · Effective fee = cost ÷ sale
- Price to net X = X ÷ (1 − effective fee)
Tips
- Look at the effective fee, not the advertised one. Early settlement and rent count too.
- Pix and debit land fast and cost less. A discount on them usually pays off.
- With installments early settlement weighs more: at 10x the last installment would only land in 300 days.
- Rent only dilutes with volume. With 50 sales a month, R$ 60 of rent becomes R$ 1,20 per sale.
Reference ranges from 11/2026, typical of the Brazilian acquiring market for small businesses. Each acquirer charges differently by card brand, plan and revenue. Check your fee in the app or in your card machine contract.
How it works
How to find the real cost of your card machine
The fee in the card machine ad is only the first part. It's called MDR and it's a percentage of each sale. On top of it come two things most people forget. Early settlement, if you want the money before the due date. And the machine's rent or monthly fee, which doesn't depend on how much you sell. The real cost is the sum of the three divided by the sale amount.
To pass the fee on to the price, don't add the percentage on top. Divide. A R$ 100 sale in credit at 3.5%: you receive 96,50. To net 100, charge 100 ÷ 0.965 = 103,63. If you added 3.5% and charged 103,50, the machine would take 3,62 and leave 99,88. Looks small, but across a thousand sales a month it adds up.
With installments the math gets bigger. The fee goes up and the money comes in bits: on a 10x sale, the last installment lands in 300 days, an average of 165 days. Bringing it all forward at 1.99% per month costs close to 11% of the sale, on top of the method's fee. Practical tip: use the simulator to see the total cost at 10x and decide whether to offer interest-free installments or charge the customer interest from a certain number of installments.
FAQ
Frequently asked questions
How much does the card machine take per sale?
It depends on the payment method. As a 2026 reference for small businesses in Brazil: debit sits near 1.5%, credit in one payment between 3% and 3.5%, and installments climb to 4% to 6%. On a R$ 100 sale in credit at 3.2%, you receive R$ 96,80. If you take early settlement or pay machine rent, the real cut is bigger.
Can I charge more on card than on Pix?
Yes. In Brazil, Law 13.455/2017 allows different prices by payment method. The rule is to tell the customer clearly before the sale, at the counter or on the price tag. Many shops do it the other way around: keep the card price and give a discount on Pix.
How do I pass the card fee on to the price?
Divide the amount you want to keep by (1 minus the fee). To net R$ 100 at 3.5%: 100 ÷ 0.965 = R$ 103,63. Don't add the fee on top: 100 + 3.5% = 103,50, and the machine takes 3,62 of that, leaving 99,88. The simulator does this math for you and includes early settlement and rent.
Is early settlement of receivables worth it?
It is when idle money costs you more than the settlement fee. At 1.99% per month, bringing forward an installment due in 30 days costs about 2% of it. If the alternative is an overdraft or losing a supplier discount, it pays off. If you have cash to wait, it's money thrown away.
Debit or credit: which is cheaper for the shop?
Debit. The fee is lower and the money lands the next day. Credit in one payment charges double or more and takes 30 days. Pix sits below both: on most card machines it's zero or very low and lands instantly.
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