Enter your monthly card sales and average transaction value, split the mix between mada and credit cards, and see how much your bank deducts each month — with the mada cap (0.8% up to SAR 40 per transaction) and optional 15% VAT on the fees. Rates are editable to match your bank's offer. Free, no signup.
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Monthly card sales and the average transaction value in SAR.
Move the mada-vs-credit slider and adjust the commission rates to match your bank's offer.
View the monthly deduction, effective rate, and 'what you keep', then share it on WhatsApp.
The mada merchant rate under the SAMA tariff is 0.8% of the transaction, capped at SAR 40 per transaction. Credit cards (Visa/Mastercard) are higher and vary by bank/provider (often 1.5%–2.5%). Add 15% VAT on the fee amount. The calculator above totals it in SAR from your own numbers.
The official mada commission is 0.8% of the transaction, capped at SAR 40 per transaction. Example: a SAR 200 sale = SAR 1.6 in fees; a SAR 10,000 sale = only SAR 40 (due to the cap), not SAR 80. The cap applies per transaction, not on the monthly total.
Yes, 15% VAT applies to the fee amount (not to your sales). Example: if the month's fees are SAR 1,000, VAT adds SAR 150, so SAR 1,150 is deducted. The calculator has a toggle to include or exclude VAT.
Key levers: (1) negotiate a lower rate with your bank/provider, especially as your volume grows; (2) encourage mada payments since its commission is lower and capped; (3) compare offers from multiple providers; (4) review the device/subscription fee separately from the transaction commission. Use the calculator to edit rates and compare offers.
Yes, especially for credit cards and device/subscription fees. The mada commission is relatively standardized under SAMA, but credit-card rates and subscriptions vary. That's why the calculator lets you edit each rate manually to match the exact offer you were given.
Yes. There are two different costs: the POS device price or subscription (a fixed monthly or one-time amount), and the transaction commission (a % of each sale). This calculator focuses on the transaction commission; calculate the device/subscription cost separately and add it for your full cost estimate.