Interactive Calculator

See Your Numbers
Before You Sign Anything.

Model your surcharge offset as a merchant, or project your income as a Grandco reseller. Real numbers, no fluff.

Your Business Numbers Merchant
Monthly Processing Volume $80,000
Your total monthly card sales (credit + debit combined)
Credit Card % of Sales 65%
Typical range: 50–80%. Restaurants trend higher, trades trend lower.
Surcharge Rate 2.4%
Canadian legal maximum is 2.4%. Many merchants use 1.8–2.0% for customer goodwill.
Grandco Plan
Select the plan you're considering. All plans include surcharging.
Current Monthly Tool Stack Cost $450
Add up: processor fees + CRM + marketing tools + POS software you're paying now.
Your Surcharge Summary
Live
Total monthly volume$80,000
Credit card volume (surchargeable)$52,000
Surcharge rate applied2.4%
Grandco plan — Growth$299/mo
Processing fees (Interchange + Assessment + Authorization)−$1,056
Surcharge collected$1,248
Remaining Monthly Cost
$107
Increase volume or rate to reach $0 net
Your current stack cost$450/mo
Monthly savings vs. current stack$600/mo
Annual savings over current stack $7,200
Book a Demo — See My Custom Quote →
Processing rates quoted on call. Surcharge surplus numbers are estimates based on your inputs. Interchange-plus pricing saves most merchants an additional 0.3–0.6% on top.
How Surcharging Works

Legal. Automatic.
Makes Grandco Free.

Every Grandco merchant account includes credit card surcharging from day one. Here's exactly how it works at checkout.

1
Customer presents their credit card to pay. Your POS automatically detects it's a credit card (not debit) and adds the surcharge to the total before processing.
2
The surcharge amount (up to 2.4%) is disclosed on the receipt — this is required by Visa/Mastercard rules and handled automatically by Grandco.
3
The payment processor issues surcharge credits on the merchant's monthly statement and deducts the credits from the processing fees owing — so the net cost of accepting credit cards is automatically reduced without any manual reconciliation.
4
Debit cards (Interac) are never surcharged. Customers always have the option to pay by debit at no extra charge — protecting customer relationships.
RECEIPT EXAMPLE — GRANDCO MERCHANT / OCTOBER 2026
Subtotal$84.00
HST (13%)$10.92
Credit card surcharge (2.4%)$2.28
Total charged$97.20
Payment methodVisa •••• 4242
You keep from this sale $97.20
💡 Surcharge disclosed on receipt as required. Debit card option always available at no surcharge.
Reseller Income Model

Three Ways You Earn.
Every Single Month.

Unlike project-based agency revenue, Grandco residuals compound. Every new merchant you add increases your baseline income permanently.

01
📅
SaaS Margin
Buy wholesale from Grandco. Sell retail to your clients at your price. Keep 100% of the markup every month, forever — as long as the merchant stays active.
Growth wholesale: $149 → Retail: $299
Your margin: $150/merchant/month
10 merchants = $1,500/mo
02
🔄
Processing Residuals
Earn 10–15 basis points on every dollar your merchants process through Grandco's Converge-powered platform. Paid on the 15th of every month.
10 merchants × $50K/mo × 12 BPS (Gold)
= $600/month passive income
Continues 24 months if you exit in good standing
03
🖥️
Hardware & Add-Ons
Earn a margin on every terminal, printer, scanner, and add-on your merchants need. Rental agreements, one-time purchases, SIM cards, payment gateways, and extra POS seats all generate ongoing monthly margin.
Est. $25/merchant/month in hardware & add-on margin
10 merchants = $250/month
Scales as merchants add equipment
Real-World Examples

See the Numbers for Your Situation

🍕 Restaurant
👗 Retailer
💆 Health & Wellness
🤝 Marketing Agency
💼 Business Consultant
🏪 Merchant
Maria's Bistro, Toronto
45-seat restaurant processing mostly credit cards. Currently on Square + separate email marketing tool. Frustrated by bundled pricing and zero surcharging.
Monthly processing volume$120,000
Credit card % of sales78%
Surcharge rate2.0%
Grandco planGrowth — $299/mo
Current monthly stack$580/mo
Monthly net cost
$0
$1,872 surcharge collected — $299 plan = $1,573 surplus
Surchargeable volume$93,600
Surcharge collected$1,872/mo
Annual savings vs. old stack$10,572/yr
🏪 Merchant
Harbour & Co. Boutique, Halifax
Clothing boutique with 60% credit card sales. On Moneris with a 2-year contract and no CRM. Paying $450/mo across tools.
Monthly processing volume$55,000
Credit card % of sales62%
Surcharge rate2.4%
Grandco planGrowth — $299/mo
Current monthly stack$450/mo
Monthly net cost
$0
$818 surcharge collected — $299 plan = $519 surplus
Surchargeable volume$34,100
Surcharge collected$818/mo
Annual savings vs. old stack$6,228/yr
🏪 Merchant
Summit Wellness Spa, Calgary
Day spa doing $45K/month. High credit card mix (90%+ clients pay by Visa or Mastercard). Currently on Stripe + Mindbody + Mailchimp — $600/mo total.
Monthly processing volume$45,000
Credit card % of sales88%
Surcharge rate2.4%
Grandco planGrowth — $299/mo
Current monthly stack$600/mo
Monthly net cost
$0
$950 surcharge — $299 plan = $651 surplus each month
Surchargeable volume$39,600
Surcharge collected$950/mo
Annual savings vs. old stack$10,812/yr
🤝 Reseller
Coastline Digital Agency, Vancouver
Marketing agency already using Grandco for 18 clients. Added Grandco reseller program to offer payment processing + POS. On track for Gold tier.
Active Grandco merchants18 (Gold tier)
Avg. monthly volume / merchant$60,000
SaaS margin / merchant$165/mo (Gold)
Processing BPS12 BPS (Gold)
Monthly recurring income
$5,124
SaaS $2,970 + Residuals $1,296 + Onboarding $858
SaaS margin (18 × $165)$2,970/mo
Residuals (18 × $60K × 12BPS)$1,296/mo
Annual projected income$61,488/yr
🤝 Reseller
Pascal Tremblay, Business Consultant — Montréal
Bookkeeper and business consultant serving 8 SMB clients across restaurants and retail. Added Grandco as a service extension to his existing retainer clients.
Active Grandco merchants8 (Silver tier)
Avg. monthly volume / merchant$40,000
SaaS margin / merchant$150/mo (Silver)
Processing BPS10 BPS (Silver)
Monthly recurring income
$2,120
SaaS $1,200 + Residuals $320 + Onboarding $600
SaaS margin (8 × $150)$1,200/mo
Residuals (8 × $40K × 10BPS)$320/mo
Annual projected income$25,440/yr

Ready for Your
Real Numbers?

Book a 20-minute call and we'll run your exact surcharge calculation — live, using your actual processing volume and card mix.

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✓ No cancellation penalties
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