POS Transaction Fee Calculator

Work out pos transaction fee instantly with clear inputs, formula shown and shareable results.

About POS Transaction Fee Calculator

Card acceptance costs combine an ad valorem rate with a fixed fee per transaction. The fixed element dominates for low-value baskets: at a 2.50 fixed fee, a 100 transaction pays an effective rate above 4% regardless of the headline percentage.

Formulas

Total fees

Total = Volume x Percentage rate + Transactions x Fixed fee

Effective rate

Effective % = Total fees / Volume x 100

Worked example

With the default values below, POS Transaction Fee Calculator returns Total monthly card fees of $185,800.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Monthly card sales volume: 9,600,000
Number of card transactions: 5,200
Percentage fee rate: 1.8
Fixed fee per transaction: 2.5

Results

Total monthly card fees: $185,800.00
Effective fee rate on volume: 1.9354%
Percentage fee component: $172,800.00
Fixed fee component: $13,000.00

Step by step

1Values used
2Total fees
3Effective rate
4Total monthly card fees= 185,800.00
5Effective fee rate on volume= 1.9354
6Percentage fee component= 172,800.00
7Fixed fee component= 13,000.00

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.

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 do I reduce card costs?

Raise average basket value, steer low-value payments to cheaper rails, and negotiate interchange-plus pricing rather than blended rates.

Is a surcharge allowed?

It depends on jurisdiction and card scheme rules. Many markets prohibit or cap surcharging on consumer cards.