Work out payment gateway fee instantly with clear inputs, formula shown and shareable results.
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.
Gateway fee
Fee = value × percentage + fixed; effective rate = fee / value
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.
On a small transaction it can exceed the percentage element, doubling the effective rate.
Yes, usually with a cross-border surcharge and currency conversion margin on top of the domestic rate.