--- title: SmartSurcharge Savings Calculator | PayJunction --- [tel:800-601-0230](tel:800-601-0230) 800-601-0230 # How much time and money can SmartSurcharge save your business? SmartSurcharge helps your business offset nearly 100% of credit card fees while keeping you compliant and efficient. Answer a few questions below to see how much time and money your business could potentially save. Average Daily Credit Transactions How many transactions does each location process per day? 0 Average Monthly Credit Card Processing Volume Per Location On average, how much does each location process a month in credit cards? $25,000 How many locations does your business operate? 1 Manual Entry Time by Transaction How long does it take to accurately enter payment information into your management system? 0 minutes Estimated Max Annual Offset:\* **$0** Estimated Weekly Time Savings:\*\* **0.0** *hrs* GET COMPLETE ANALYSIS \*Estimate based on the provided average monthly processing volume per location and number of locations, a 3% offset, and 12 months. Actual offset will vary based on a number of factors including the actual surcharge applied and processing volume, which may change after surcharging is implemented. \*\*Estimate based on the daily transactions multiplied by the time per transaction provided multiplied by 5 days and divided by 60 to determine hours. Actual time saved will vary depending on a number of factors including actual daily transactions, which may change after surcharging is implemented. ## Curious about debit savings? We optimize PIN Debit rates to make sure we are lowering your total costs even more. - ![](https://www2.payjunction.com/hubfs/LANDING%20PAGES/surcharge/surcharge-reporting-img.svg) #### Surcharge Reporting Clear surcharge reporting with customizable batches makes reconciliation faster and more accurate - ![](https://www2.payjunction.com/hubfs/LANDING%20PAGES/surcharge/compliance-tools-img.svg) #### Built-In Compliance Tools Automatically detects debit cards, never adds a larger surcharge than permitted, and clearly displays amounts on terminals and receipts - ![](https://www2.payjunction.com/hubfs/LANDING%20PAGES/surcharge/customer-choice-img.svg) #### Customer Choice Presents your customers with clear instructions on how to avoid the surcharge by paying with a debit card or ACH ## Dive deeper into Surcharge Strategy and Compliance Check out our blog post covering key surcharge regulations by state, how cash discounting compares to surcharging, and whether surcharge is a good fit for your business. [SEE BLOG](https://blog.payjunction.com/credit-card-surcharging?hsLang=en) PayJunction is a Level 1 PCI Compliant Provider. PayJunction is a registered ISO of PNC Bank, N.A., Pittsburgh, PA. © 2026 PayJunction. All rights reserved. [Privacy Policy](https://support.payjunction.com/hc/en-us/articles/211053648) and [Terms of Use](https://support.payjunction.com/hc/en-us/articles/211053628).