Why a cost calculator beats a pricing table
Published card rates mean little until you apply them to your own volume. A card with 1 percent cashback and a monthly fee can beat a free card with no cashback, but only above a certain spend level. A cost calculator puts both on the same annual figure so the comparison is fair.
Bucket 1: direct card costs
Add up the monthly fee, the cost of extra cards, the FX markup on non-euro transactions and any withdrawal charges, then multiply by twelve. Treat foreign-currency spend separately if you advertise heavily in dollars or pounds.
Bucket 2: missed cashback
Take your monthly card spend, multiply it by the cashback rate and apply any monthly cap. A 15 euro monthly cap means that above roughly 3,750 euro of spend at 0.4 percent you stop earning anything extra.
Bucket 3: bookkeeping hours
Count the monthly hours spent chasing receipts, matching transactions and answering your accountant. Convert them at a realistic hourly rate. Ten hours a month at 55 euro is already 6,600 euro a year.
Bucket 4: reconciling ad spend
Stores with meaningful ad budgets lose extra time matching Meta, Google and TikTok invoices to transactions. Providers that automate this remove most of that work. A useful rule of thumb is roughly fifteen minutes per 1,000 euro of ad spend.
From calculation to decision
Put the four buckets side by side for your current setup and for the alternatives. Start the scan to have this calculated on your own numbers. The full report with your personal match and every calculation is a one-time 29 euro payment, with no subscription.