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Two weeks ago someone submitted the Paypal vs. Merchant Account Calculator to HN http://news.ycombinator.com/item?id=1471371

Are hackers going to post every calculator they come up with?

Probably. ;) The whole point of making these things is because they are fun to show off and potentially useful to other people.

No sense in building something useful and not telling people about it.

These are genuinely useful tools for an audience of startup cofounders. When you're bootstrapping or working off your angel funding, every dollar counts. If you can save $200 a month, thanks to these calculators, you've just extended your runway.
Speaking of Square. I signed up 2 months ago and still haven't gotten my swipe device. Anyone else waiting?
I think lots of people are waiting and they have come up with a few versions of them. They have been silent for a while but rumors are that they are working on something awesome.
This is a really useful tool!
i am not o certain. i do not like to buy additional hardware. it is then about delivery, logistics (shipping), handling, etc. i would like a solution without any additional hardware...

chris

>Does TransFS work outside of the United States?

>No, unfortunately TransFS is only able to help business in the United States. (Puerto Rico, US Virgin Islands, Guam and US Commonwealths are also excluded)

And that's where you lost me.

Showing a bar graph more than twice as tall for a 6% difference in price denied them my trust.
Really cool way to make a quick but effective decision. I would never have the time to research these fees on my own, glad someone out there put this together to make it easy to make a decision.
The whole payments industry is totally insane when it comes to transparency. This is a really useful tool.
I hope dearly that whoever wrote that graphing method isn't allowed anywhere near a system that handles actual money.
SMARTASS! :) Fair enough - that is admittedly not at all mathematically correct and we should have chosen a different way to graphically show which side was "winning". You got us - questionable design decision.
Wait hold up. Did anyone notice that if you increase the volume of sales the square cost goes up significantly? The number they gave $30 per trans avg + 4000 per month is the sweet spot. This is kind of bs. Oh and uncheck the iphone option and square sucks.
I was one of the guys that wrote it - it's not BS - its just a random starting point. Most people play with the bars to try a few different scenarios.
TransFS is selling merchant accounts and lies with their graphics. $30 transactions and $50K/month they calculate their fees at $1220 and the square fees at $1625 and yet the bar graph is shows square as twice as much.
I helped create this calculator... and it's sad to see someone say that it is "lying". The reality is that this is by far the most honest, transparent way to compare the all-in costs of Square vs. using a wireless terminal with a merchant account. The costs are all very carefully laid out below, and the $ amounts are real.

Say what you want about our choice of the bar-graph... that's fair criticism. It wasn't intended to be an accurate graph, just something cool to look at.

What we really care about at TransFS is giving people unbiased, accurate information about their options. Square is a great deal for many merchants... which is why we suggest them to our customers and link to their site.