ACH vs card fee savings calculator

ACH vs card fee savings calculator. Credit cards typically run 2.9% + $0.30 per transaction. ACH bank-link payments cost a small flat fee instead — cents, not dollars. This calculator shows what moving your card-paying clients to ACH would save you per month and per year.

How to use this ACH vs card savings calculator

1. Enter your monthly card-paid volume. The total dollar amount you currently collect from clients paying by credit card each month.

2. Enter the number of card transactions. How many separate card charges make up that volume each month (invoices, retainers, etc.).

3. Adjust the fee assumptions if needed. Defaults are a typical card rate (2.9% + $0.30) and a typical ACH bank-link fee. Edit either to match your actual processor.

4. Read the savings. Monthly and annual savings from routing that same volume through ACH instead of card.

The ACH vs card savings calculator

Why this matters

A 2.9% + $0.30 card fee on a $2,000 invoice is $58 gone before you see the money. Multiply that across every recurring client and it adds up fast.

ACH bank-link payments settle for cents per transaction instead of a percentage of the invoice — the more you bill, the more this gap matters.

HubWho supports ACH bank-link via Plaid alongside card and Apple Pay, so clients can pay however they prefer while you keep more of what you bill on the ones who go ACH.

Beyond the calculator

Billing, ACH and card payments, recurring subscriptions, per-client margin tracking, and branded client portals for marketing agencies — built on Midnight + cyan. Learn more about HubWho.