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Payment Gateway Fee Calculator

Work out payment gateway fee instantly with clear inputs, formula shown and shareable results.

About Payment Gateway Fee Calculator

Gateway pricing combines a percentage with a fixed amount, so the effective rate falls as transaction value rises. On small baskets the fixed fee dominates, which is why low-value businesses need volume pricing or basket minimums.

Formula

Gateway fee

Fee = value × percentage + fixed; effective rate = fee / value

Worked example

With the default values below, Payment Gateway Fee Calculator returns Total Monthly Gateway Fees of $97,500.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Average Transaction Valueminimum 0
1,800
Percentage Feeaccepts 0–8 %
2 %
Fixed Fee Per Transactionminimum 0
3
Transactions Per Monthaccepts 1–10,000,000
2,500

Results

Total Monthly Gateway Fees
$97,500.00
Fee Per Transaction
$39.00
Effective Rate On Transaction Value
2.1667%
Annual Gateway Fees
$1,170,000.00

Step by step

  1. 1Values used
  2. 2Gateway fee
  3. 3Total Monthly Gateway Fees= 97,500.00
  4. 4Fee Per Transaction= 39.00
  5. 5Effective Rate On Transaction Value= 2.1667
  6. 6Annual Gateway Fees= 1,170,000.00

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or compounding frequency into account.
  • Figures are rounded for display to 4 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates based on the inputs given. Marketing performance, platform fees and conversion behaviour vary by audience, channel and season. Use this as a planning guide, not a forecast.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates based on the inputs given. Marketing performance, platform fees and conversion behaviour vary by audience, channel and season. Use this as a planning guide, not a forecast.

Frequently Asked Questions

Why does the fixed fee matter so much?

On a small transaction it can exceed the percentage element, doubling the effective rate.

Are international cards priced differently?

Yes, usually with a cross-border surcharge and currency conversion margin on top of the domestic rate.

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