E-commerce Calculators

Payment Processing Fee Calculator

Card and wallet payments are usually charged as a percentage plus a fixed fee. Work out the fee and what you receive, or the amount to charge so that you receive a set sum after fees.

You receive$96.80

Processing fee: $3.20

Step-by-step working

Fee = $100.00 × 2.9% + $0.30 = $3.20
Net = $100.00 − $3.20 = $96.80

How to use the Payment Processing Fee Calculator

Choose whether you know the payment or the amount you want to receive.
Enter the amount and your provider’s percentage and fixed fee.
Press Calculate.

Formula

Fee = amount × rate + fixed fee

Amount to charge = (amount to receive + fixed fee) ÷ (1 − rate)

Examples

100 at 2.9% + 0.30: fee 3.20, you receive 96.80.
To receive 100: charge (100.30) ÷ 0.971 = 103.30.

Frequently asked questions

Why not just add 2.9% to the price?

Because the fee is also charged on the extra you add. Dividing by (1 − rate) accounts for that.

Can I pass fees to customers?

Surcharging rules differ by country and card network. Check the rules that apply to you before adding a card fee.