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Savings calculator

Your school's numbers, not our claims.

Slide your student count and tuition in — see your processing savings with the no-cost surcharge option and the yield your balances could earn. Estimates in real time.

Verify these numbers on a demoHow the rates work
Cards 2.9% + 30¢$1 flat ACHNo-cost surcharge optionNo per-member fees

Your estimated annual impact

Total payment volume—
— of which card volume—
Card fees you pay today—
Card fees with the no-cost option*$0
Yield on balances (est. 4.0% APY)—
Total annual impact—
Verify these numbers on a demo

*Estimates for illustration only; actual results vary by card mix, state rules, and configuration. Surcharging offered where permitted by applicable law and card-network rules, with required disclosures; applies to credit cards only (never debit) and never exceeds the cost of acceptance. Yield estimates assume a variable 4.0% APY through FDIC-insured partner banks; rates change. 613OS is a financial technology company, not a bank. Not counted here: the subscriptions you stop paying for and the office hours you get back.

30–40%lower card fees, typically, after we take over the account
Free softwareSee how you can get the software for free by processing payments or payroll with us →
$1 flatper ACH (bank) payment — never surcharged
2.9% + 30¢cards — one rate you can actually read
What the calculator counts

Two lines, both yours

The calculator counts only what we can show on a statement. It leaves out the subscriptions you stop paying for and the hours your office gets back — those are real, but they're not a line on a statement.

Card fees you pay todayYour card volume at your current effective rate. With the no-cost option — compliant surcharging or a pass-through line — that line goes to $0 for the institution.
Yield on balancesWhat your average bank balance could earn through FDIC-insured partner banks — including the tuition that waits from September to June and the payroll taxes held between runs.
What it doesn't countNo software-savings guess, no hours-saved multiplier. Office is $99/month and Pro is $247/month on an annual plan ($119 and $297 billed monthly); Enterprise is priced on the demo. Process with 613OS Payments and your plan fee is credited back for as long as 613OS Payments is your processor of record for tuition, dues and donations; card and ACH processing fees apply, and the credit ends 30 days after notice if you switch processors.

We specialize in lowering card rates for 501(c)(3) organizations: schools and shuls typically save 30–40% on card fees after we take over the account.

No-cost option: compliant surcharging or a pass-through line on your own tuition contract or dues statement — the institution pays nothing to accept cards, and ACH is never surcharged.

Every other platform earns more when you spend more. 613OS earns more when you collect more.
We earn on what flows through the platform — that's the whole model. We're not giving away revenue. We're removing the reason you'd say no.
Numbers look good?

Let's verify them

Send us a real processing statement — we beat your effective rate or tell you to keep your processor.

1Send a statementOne recent processing statement and one bank statement to demo@613os.com.
2We read it line by lineYour real effective rate, the fees that don't need to exist, and what the balances could earn.
3Your number, in writingA written comparison on the demo — your statement next to ours. If we can't beat it, we say so.

Frequently asked questions

What does the calculator count?
Two things: the card fees you pay today on your card volume at your current effective rate — which drop to $0 for the institution with the no-cost option — and the yield your average bank balance could earn through FDIC-insured partner banks. It does not count the subscriptions you stop paying for or staff hours saved.
Where do I find my effective card rate?
Divide the total fees on a recent processing statement by the total card volume on the same statement. If you can't find either number on the statement, that is the problem we fix — send it to us and we will read it for you.
Is the no-cost option legal?
Surcharging is offered where permitted by applicable law and card-network rules, with required disclosures; it applies to credit cards only, never debit, and never exceeds the cost of acceptance. The alternative is a pass-through line on your own tuition contract or dues statement. ACH is never surcharged.
How accurate are these estimates?
They are estimates for illustration; actual results vary by card mix, state rules and configuration. Yield estimates assume a variable 4.0% APY through FDIC-insured partner banks, and rates change. Send us a real statement and we replace the estimate with your number — or tell you to keep your processor.

Numbers look good? Let's verify them.

Send us a real processing statement — we beat your effective rate or tell you to keep your processor.

Book a statement reviewRequest a demo
613os.com/demo · 305-954-7362 · yoni@613os.com