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FINANCE

Payment Fee Calculator

Calculate payment processing fees and net amounts to know how much you keep after transaction fees.

Calculate payment processing fees and find out exactly how much you receive after fees are deducted. This calculator works with any payment provider — simply enter the percentage fee and fixed fee per transaction to see the total cost and net amount you receive.

Enter your numbers

Input the transaction amount, percentage fee, and fixed fee per transaction.

The total amount of the customer's payment.

$

The percentage fee charged per transaction.

%

The flat fee charged on every transaction.

$
Currency

Live Calculation

Live
Amount Received

$96.80

after all fees

Total Fee
$3.20
Percentage Fee

2.9% of $100.00

$2.90
Fixed Fee
$0.30
Transaction Amount
$100.00
Calculated in real-time · No data stored

Formula

Percentage Fee = Transaction Amount × (Fee% ÷ 100)

Total Fee = Percentage Fee + Fixed Fee

Amount Received = Transaction Amount − Total Fee

Example

Given

Transaction Amount$100
Fee Rate2.9%
Fixed Fee$0.30

Result

Percentage Fee$2.90
Total Fee$3.20
Amount Received$96.80

Frequently Asked Questions

What Is a Payment Processing Fee?

A payment processing fee is a charge applied by a payment processor or merchant services provider each time a customer completes a transaction using a credit card, debit card, or digital wallet. These fees are deducted automatically from the gross transaction amount before the funds are deposited into your business account. Understanding exactly how much you keep — your net payout — after fees is essential for accurate pricing and profit planning.

How Are Payment Processing Fees Calculated?

Most payment processors charge a combination of two components:

Percentage Fee

A fixed percentage of the transaction amount (e.g. 2.9%). This scales with the transaction size — larger transactions cost more in absolute terms.

Fixed Fee

A flat fee applied per transaction (e.g. $0.30). This has a bigger impact as a percentage on small-value transactions than on large ones.

Total Fee = (Amount × Fee %) + Fixed Fee  |  Net Payout = Amount − Total Fee

Common Payment Processor Fee Rates

ProcessorOnline RateFixed FeeIn-Person Rate
Stripe2.9%$0.302.7%
PayPal2.99%$0.492.29%
Square2.9%$0.302.6% + $0.10
Shopify Payments2.9%$0.302.7%
Razorpay2.0%₹02.0%

* Rates are approximate and subject to change. Check each provider's official pricing page for current rates.

How to Account for Fees in Your Pricing

Build fees into your price: Add the expected processing fee percentage on top of your desired net amount so the fee doesn't eat into your profit margin.
Use the charge-back formula: To receive a specific net amount, use: Charge = (Net + Fixed Fee) ÷ (1 − Fee %). This ensures you always receive your target payout.
Avoid underpricing small orders: Fixed fees hit harder on low-value transactions. Consider a minimum order value or service charge for small purchases.
Check your invoice total: When sending invoices to clients who pay by card, consider including the processing fee as a separate line item so it's transparent.

Related Business Tools

After calculating your net payout, use our Profit Margin Calculator to check if your margins are healthy after fees, or our Invoice Generator to send professional payment requests to your clients.