Free tool

What do your payment fees really cost you a year?

Card, M-Pesa, Airtel Money, OPay, cash: every way of getting paid has a cost, and it is almost always higher than you think. Run the numbers in 30 seconds, using your own figures.

Payment fees calculator for a small shop, card and mobile money included

Currency Total you take in per month, all methods together: Share taken by card: 25 % Fee your card provider charges you: 2.50 % Share taken by mobile money (M-Pesa, Airtel, OPay, MoMo…): 45 % Fee your mobile money provider charges you: 1.50 %

The rest is treated as cash (no fee). Put in the rates your own provider actually charges you: they change from one contract and one country to the next.

What your payment fees cost you over 12 months

Worth knowing: a POS that forces no commission and no payment processor on you leaves you free to take payment through the cheapest channel (often mobile money or cash) and keep that money. Over a year, the gap quickly runs into tens of thousands.

What if you kept that money?

digabloPos has a free-forever plan, with no forced commission on your sales and no obligatory payment processor. You take payment however you like, and track every payment method inside your till.

Try digabloPos for free

Indicative estimate for information only. Real fee rates vary by provider, country and contract: check them on your own statements.

Go further: the hidden fees of POS software, our best free POS comparison for 2026, or the cash flow guide for small business.

What do your payment fees really cost you a year?

What if you kept that money?

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