Fee X-ray

Tradie Rate Lab Fee X-ray · Pack owners
Fee X-ray

Four numbers. Every hidden fee.

Grab last month’s statement from Square, Tyro, Zeller, Stripe or your bank. Type in four lines — your X-ray and your email update as you go.

You’re looking at an example. Enter your access code to use your own numbers.
Who takes your card payments?

Often called “Total sales”, “Gross sales” or “Total transaction value”.

“Transactions” or “Count”. Can’t find it? Leave it blank.

“Processing fees” or “Merchant service fees” — the fees taken on each payment.

4Any other fees? leave blank if none
More options

Most trade businesses sit around 65%. Use yours if your statement splits debit and credit.

Least-cost routing

Everything is worked out on this device. Nothing you type is sent or stored.

Your provider · this monthExample
You’re overpaying about
$4,570
a year — $381 every month
Your real rate
1.58%
all fees included
Fair from Oct 1st
0.66%
for a business like yours

Where your money goes

Every charge, flagged — per month and what it adds up to in a year.

Your email, ready to send

Add your name and send it to your provider’s support or account manager today.

What to do next

    General information only — not financial advice. Figures come from the numbers you type. The fair rate assumes the RBA caps from October 1st, 2026 (debit 8c, consumer credit 0.30%), about 0.10% in scheme fees and a 0.45% provider margin, and treats every card as a domestic debit or credit card. American Express and foreign cards cost more, so if you take a lot of them your fair rate will be a little higher. Your real quote depends on your provider.