[Stico2026]

Stripe, Braintree, Adyen, and other payment processors make it surprisingly hard to figure out what you’re actually paying after interchange, assessments, and markup.

I built an open Effective Rate Calculator that:

breaks down actual blended fee % vs perceived fee % shows how volume, average ticket, and interchange mix change your costs helps founders/finance teams optimize pricing and payment partners exports or prints real effective rates for analysis

Try it here: https://effectiveratecalculator.com/

Behind it is Stesanor LLC, a payments consulting company focused on helping startups and high-volume merchants understand and reduce their effective merchant costs.

Open to feedback, and happy to discuss payment pricing models or how to calculate a true effective rate — AMA!

— https://stesanor.com/