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Credit Card Processing Fee
Savings Calculator

See exactly how much you could save every month by using your own payment processor through KwickOS instead of locked-in rates from Toast, Square, or Clover.

tune Your Business Details

$5K$200K
$10$100
info KwickOS baseline rate: 2.2% + 10¢ per transaction. Actual rates depend on your chosen processor and volume.

savings Your Estimated Savings

Annual Savings
$0
per year back in your business
Current Monthly Cost
$0
KwickOS Monthly Cost
$0
Monthly Savings
$0
3-Year Savings
$0
Toast $0/mo
KwickOS (own processor) $0/mo
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Adjust the sliders to see your potential savings.

Percentage rate savings $0/mo
Per-transaction fee savings $0/mo
Total monthly transactions 0

Ready to Keep Your
Processing Revenue?

Join 5,000+ businesses that stopped overpaying on credit card processing. With KwickOS, you choose your own processor and keep more of every sale.

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timer 15-minute setup · No credit card required · No processing lock-in

Frequently Asked Questions

Common questions about processor-agnostic POS and payment freedom.

Unlike Toast or Square, which force you to use their built-in payment processing, KwickOS is processor-agnostic. That means you can connect any payment processor you prefer — whether it is a local bank, a national processor, or a competitive third-party provider. KwickOS integrates with your chosen processor through standard payment gateway protocols, so transactions flow seamlessly through your POS without any middleman markup. You get the same smooth checkout experience, but at rates you negotiate directly.
Yes. If you already have a payment processor you like and have negotiated good rates with, you can bring them along to KwickOS. We support all major processors and payment gateways. During onboarding, our team will help you connect your existing processor so there is zero disruption to your payment flow. Many of our restaurant customers switch from Toast and keep the processor they were using before Toast locked them in.
That is one of the biggest advantages of KwickOS. Because you are not locked in, you can switch processors at any time — whether you find a better rate, want to consolidate with a new bank, or a new provider enters the market. The switch is straightforward and typically takes just a day or two with our support team. Your POS, menus, customer data, and reporting all stay exactly the same. Only the processing backend changes.
This calculator provides a reliable estimate based on published processing rates from Toast, Square, and Clover, compared against a competitive baseline rate of 2.2% + 10¢ per transaction, which is typical for businesses processing $20K+ per month through their own processor. Your actual savings may vary based on your card mix (credit vs. debit, rewards cards, etc.), negotiated rates, and transaction patterns. For a precise quote tailored to your business, contact our team for a free processing cost analysis.
No. KwickOS does not take a cut of your payment processing. Your processing fees go directly to your chosen processor — we never add a markup, surcharge, or hidden fee on top of your transactions. KwickOS makes money through its platform subscription, not by skimming your processing revenue. That is fundamentally different from Toast and Square, where payment processing is a major revenue source for them at your expense.