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Payment Processing Fee Calculator

Estimate payment processing fees, net revenue, and the customer charge needed to cover card processing costs.

Your Details

Pass Fee to Customer

Choose whether to estimate the gross charge needed to fully cover processing fees.

Overview

Use this payment processing fee calculator to estimate how much a card or online payment processor may charge based on your sale amount, percentage fee, fixed fee, and number of transactions. It can also show how much you would need to charge to fully cover the fee.

How it works

The calculator adds the percentage-based fee on the sale amount to the fixed fee per transaction. It then multiplies that result by the number of transactions to estimate total fees. Net revenue is total sales minus total fees. If you want to cover the fee in your pricing, the calculator works backward to estimate the gross amount to charge so the amount left after fees matches your target sale amount.

How to use this calculator

  1. 1Enter the amount of one sale.
  2. 2Add the processor's percentage fee.
  3. 3Enter the fixed fee charged per transaction.
  4. 4Set the number of transactions you want to estimate.
  5. 5Review the fee per transaction, total fees, net revenue, and charge needed to cover fees.

Example Calculation

Sale Amount

$100

Percentage Fee

3%

Fixed Fee Per Transaction

$0

Number of Transactions

10

Pass Fee to Customer

yes

Fee Per Transaction

$3.20

For 10 transactions of 100 each with a 2.9% fee plus 0.30 per transaction, the fee is about 3.20 per sale, total fees are about 32.00, net revenue is about 968.00, and the amount needed to fully cover fees is about 103.30 per transaction.

Frequently asked questions

What does this payment processing fee calculator estimate?

It estimates the fee per transaction, total processing fees, net revenue after fees, and the gross charge needed to cover fees.

Does this calculator include monthly processor fees or chargebacks?

No. It only estimates per-transaction fees based on the percentage fee and fixed fee you enter.

Why is the effective fee rate different from the stated percentage fee?

The fixed fee increases the total cost, especially on smaller transactions, so the effective rate can be higher than the headline percentage.

Can I use this calculator for multiple identical sales?

Yes. Enter the single sale amount and the number of transactions to estimate total fees for repeated payments of the same size.

How do I calculate a price that covers payment processing fees?

Use the charge-to-cover-fees result. It estimates the amount to charge so that, after the processor takes its fee, you keep the original sale amount.

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Assumptions and warnings

Assumptions

  • The calculator uses a simple fee structure of a percentage fee plus a fixed fee per transaction.
  • All transactions are assumed to be the same sale amount.
  • Taxes, refunds, disputes, chargebacks, minimum fees, and monthly account fees are not included.
  • Results are estimates and actual processor pricing may vary by card type, region, and payment method.

Warnings

  • This calculator provides an estimate only and is not financial advice.
  • Check your payment processor's current pricing and rules before changing customer charges or pricing.