Payment Processing Fee Calculator
Calculate card processing costs across a month of orders and the margin they consume.
About Payment Processing Fee Calculator
Fees stack: a percentage commission, a percentage payment-processing charge and a flat per-transaction fee. Because the flat fee is constant, the effective fee rate is much higher on low-value orders than on high-value ones. On a low-value order the fixed fee alone can exceed the margin, which is why gateway sellers need a minimum order value rather than a flat margin target.
Formula
Payment Processing Fee
Net = sale price − commission − processing fee − fixed fee
- commission
- Percentage the platform takes
- fixed fee
- Flat charge applied per transaction regardless of value
Worked example
With the default values below, Payment Processing Fee Calculator returns Net Proceeds of $82.24. Change any input above and every figure here is recalculated in your browser.
Inputs used
- Average order valueminimum 0
- 85
- Gateway commissionaccepts 0–100 %
- 0 %
- Processing rateaccepts 0–100 %
- 2.9 %
- Fixed fee per transactionminimum 0
- 0.3
- Your cost of goodsminimum 0
- 0
Results
- Net Proceeds
- $82.24
- Total Fees Deducted
- $2.77
- Total Fees as Share of Sale
- 3.25%
- Profit After Fees and Cost
- $82.24
- Margin After Fees
- 96.75%
Step by step
- 1Values used
- 2Payment Processing Fee
- 3Net Proceeds= 82.24
- 4Total Fees Deducted= 2.77
- 5Total Fees as Share of Sale= 3.25
- 6Profit After Fees and Cost= 82.24
- 7Margin After Fees= 96.75
Assumptions and limits
- The result is derived only from the 5 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 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
- 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.
Frequently Asked Questions
How is Payment Processing Fee calculated?
Net = sale price − commission − processing fee − fixed fee Fees stack: a percentage commission, a percentage payment-processing charge and a flat per-transaction fee. Because the flat fee is constant, the effective fee rate is much higher on low-value orders than on high-value ones.
Why does Payment Processing Fee matter?
On a low-value order the fixed fee alone can exceed the margin, which is why gateway sellers need a minimum order value rather than a flat margin target.
What values do I need to enter?
This calculator takes 5 inputs: Average order value, Gateway commission, Processing rate, Fixed fee per transaction, Your cost of goods. The pre-filled defaults are a realistic starting point — replace them with figures from your own environment for a result you can act on.