Payment Processing Fee Calculator

Payment processors charge a percentage plus a fixed fee per transaction. This calculator totals both across your transaction volume and shows the effective rate you're really paying.

Inputs

Transactions

Average transaction amount

Percentage rate

Fixed fee per transaction

Results

Total fees

$1,492.80

Effective rate: 3.0%
Net received: $41,707
Fixed-fee share: 1.0%

Small-ticket businesses feel the fixed fee most. If your average transaction is under ~$15, compare processors on the fixed component carefully.

Formula

Fees = Revenue × Rate + Transactions × Fixed Fee

FAQ

What is an 'effective rate'?

Total fees divided by total processed volume. It's the number to compare providers with, since headline rates hide fixed fees and surcharges.

Do chargebacks count here?

No — chargeback fees are separate. If they're material for you, add them to the fixed fee as an average per transaction.