Cost of Payments Report


The payments industry has made it difficult to understand the true costs of payments. When asked, most merchants will quote their published merchant services (MS) rate. Unfortunately, this merchant services rate does not capture the total ‘cost of payments’ – it only addresses a portion of the true cost of payments for their organization. There are hidden costs, profit leaks and unexplored opportunities, often overlooked as companies focus on the business of growing their business.

SparrowOne, a leading provider of managed payment service (MPS) solutions, is committed to transparency and helping merchants understand and reduce their true payment. Our Cost of Payments Report was developed with that in mind.

When you complete this form, you will receive an email with a link to a PDF report we have generated based on your numbers.

Request a Demo Report

Complete this form and you will receive:

  • Detailed estimated cost breakdown for your true overall payments expense.
  • Identification of the top 10 payment cost types in addition to your processor transaction expense.
  • An opportunity to use the report internally to identify areas where you are losing profits.


Cost of Payments Report

  • All fields are required.
  • Please enter a number from 0 to 50.
    (Transaction rate is usually between 2.0% to 5.0%)
  • Please enter a number greater than or equal to 0.
    (Estimate or get this from your merchant processing statement)
  • Please enter a number greater than or equal to 0.
    (Enter your monthly processed volume of sales)
  • (Estimate or get this from your merchant processing statement)
  • Please enter a number from 0 to 1.
    (Usually a charge between $.05 to $.25 per transaction)
  • A Little About You

  • COP Report

* The only data that will be retained by SparrowOne will be the detail noted in “A little about you” section of the form. This may be used by our sales or marketing team to follow-up via email. All information regarding your payment processing detail will be deleted from our system.


“My processor said my costs for payments was 2.5% and it was really 3.25%! I had no idea everything else that was eating into our profits.”


eCommerce Provider


“Unreal…we never factored into our payments cost the overhead of chargebacks. This report made it clear we had a big expense problem.”


Healthcare Services