💳 Payment Fee Calculator
Enter a transaction amount, the percentage rate, and the fixed per-transaction fee to see the processing fee, the net you receive, and the effective rate — with an optional multiplier for a batch of sales.
Informational estimates only — not financial advice.
🧮 Work Out Your Processing Fee
💳 Per transaction
What is a Payment Fee Calculator?
Nearly every card payment is priced the same way: a percentage of the sale plus a small fixed fee. The percentage covers the network and processor's cut; the fixed fee covers the cost of moving each transaction, which is why it stings most on tiny sales. This tool pulls both apart so you can see the fee, the money that actually lands in your account, and the true effective rate for a sale of any size.
Use it to sanity-check a quote, price a product with fees baked in, or compare how a “2.9% + 30¢” plan really behaves on your average ticket versus a headline-low percentage with a heftier fixed fee.
❓ Frequently Asked Questions
How is a payment processing fee calculated?
Most card and gateway pricing follows a 'rate% + fixed' shape — a percentage of the transaction amount plus a flat per-transaction fee, such as 2.9% + $0.30. This calculator multiplies your amount by the rate, adds the fixed fee, and subtracts the total from the amount to show the net you actually receive.
What is the effective rate?
It's the total fee expressed as a percentage of the transaction amount. Because the fixed fee is a bigger slice of a small sale, the effective rate is higher on low-value transactions and drifts toward the headline percentage as amounts grow.
Can I estimate fees across many transactions?
Yes — set the optional number of transactions and the calculator multiplies the per-transaction fee and net across a batch of same-size sales to show total volume, total fees, and total net received.
Are these numbers exact?
No. Real statements can include assessments, cross-border and currency fees, and tiered or interchange-plus pricing. Treat this as an informational estimate — not financial advice — and confirm against your processor's actual schedule.