Calculate PayPal, Stripe, and Wise fees instantly. Know exactly what you'll pay or receive.
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$104.12
Fees are estimates based on standard rates. Actual fees may vary.
Last updated: January 2026
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Type the base transaction amount before fees. Supports decimal values for precise calculations ($100.00, $1,250.50). Common for e-commerce sales, subscription payments, invoice totals, or any payment processing scenario.
Choose fee type: percentage only (2.9%), fixed fee only ($0.30), or combined (2.9% + $0.30). Matches real payment processor structures: Stripe, PayPal, Square. Configure custom rates for your specific processor or merchant account.
See detailed breakdown: original amount, fee charged, net amount received after fees. Calculate both ways: fees on amount (customer pays $100, what's the fee?) and gross amount needed (to net $100, what must customer pay?).
Understand effective fee percentage. Combined fees (2.9% + $0.30) create variable effective rates: 3.2% on $10, 3.05% on $100, 2.93% on $1000. Fixed fee impact decreases as transaction size increases. Essential for pricing strategy.
Understanding payment processing fees
Fee calculation determines payment processing costs charged by credit card processors, payment gateways, and merchant service providers. Understanding fee structures is essential for pricing products, calculating profit margins, setting minimum order values, and optimizing payment operations.
Software developers encounter payment fees when building: e-commerce checkout systems, subscription billing platforms, marketplace payment flows, invoice generation, financial dashboards, accounting integrations, commission calculations, and revenue reporting. Accurate fee calculation affects product pricing, merchant payouts, and financial reconciliation.
Pricing strategy: Product prices must account for payment processing fees to maintain profit margins. Example: selling product for $100 with 2.9% + $0.30 fee means you net $96.80, not $100. To net $100, must charge $103.21. Pricing without fee consideration erodes margins. SaaS products often use "plus fees" pricing ($99/month + processing fees) or build fees into price ($103/month, fees included).
Marketplace platforms: Multi-vendor marketplaces calculate complex fee splits. Example: buyer pays $100 → Stripe fee 2.9% + $0.30 = $3.20 → marketplace commission 10% of subtotal = $10 → vendor receives $86.80. But should marketplace commission calculate on gross ($100) or net ($96.80)? Industry standard: calculate on gross to avoid passing processor fees to vendors. Requires accurate fee calculation at multiple steps.
Subscription billing: Recurring payments accumulate fees over time. Monthly subscription at $29 with 2.9% + $0.30 fee costs $1.14 per month in fees, $13.68 annually. 100 subscribers = $1,368/year in fees. Annual subscription pricing often includes discount for reducing fee frequency: charge $288 once (one fee) vs $29 × 12 (twelve fees, twelve $0.30 fixed charges = $3.60 more).
Break-even analysis: Fixed fees disproportionately impact small transactions. On $5 transaction: 2.9% = $0.15, + $0.30 = $0.45 total (9% effective rate). On $100: 2.9% = $2.90, + $0.30 = $3.20 total (3.2% effective rate). On $1000: 2.9% = $29.00, + $0.30 = $29.30 total (2.93% effective rate). This drives minimum order values in e-commerce (need $X minimum to make transaction profitable).
Revenue reconciliation: Accounting systems must reconcile gross sales vs net deposits. If daily sales = $10,000 but bank deposit = $9,690, difference = $310 in fees (close to 3.1%). Automated reconciliation requires: fetching transaction details, calculating expected fees, comparing to actual fees charged, flagging discrepancies for review.
Percentage only: Simple percentage of transaction. Example: 2% of transaction amount. $100 transaction = $2 fee, net $98. Used by some ACH processors, cryptocurrency platforms, wire transfers. Advantage: linear scaling, no fixed overhead. Disadvantage: doesn't cover processor fixed costs.
Fixed fee only: Flat rate per transaction regardless of amount. Example: $0.50 per transaction. $10 or $1000 both pay $0.50. Rare for credit cards (too risky for processors on large transactions). Used for: check processing, bill pay services, some crypto transactions. Makes sense when transaction sizes are predictable and processor costs are truly fixed.
Percentage + fixed (most common): Combination fee structure. Examples:
Formula: fee = (amount × percentage / 100) + fixed_fee
Tiered pricing: Volume-based fee reduction. Example:
High-volume merchants negotiate custom rates. Calculation requires: tracking monthly volume, applying correct tier, potentially retroactive adjustments.
Interchange-plus pricing: Base interchange rate (set by card networks) + processor markup. Example: Visa interchange 1.8% + $0.10, processor adds 0.5% + $0.10, total 2.3% + $0.20. More transparent than blended rate. Actual cost varies by card type: debit cheaper than credit, rewards cards more expensive.
Basic fee calculation:
Transaction: $100.00
Fee rate: 2.9% + $0.30
Fee: ($100.00 × 0.029) + $0.30 = $2.90 + $0.30 = $3.20
Net received: $100.00 - $3.20 = $96.80
Reverse calculation (gross amount to net target): Want to net $100 after fees (2.9% + $0.30), what to charge?
Let gross = G
Net = G - (G × 0.029) - 0.30 = 100
G × (1 - 0.029) - 0.30 = 100
G × 0.971 = 100.30
G = 100.30 / 0.971 = $103.30 (approximately)
Effective percentage:
Transaction: $50
Fee: ($50 × 0.029) + $0.30 = $1.45 + $0.30 = $1.75
Effective %: $1.75 / $50 = 3.5%
Multiple fees (stacked): Transaction: $100 Credit card fee: 2.9% + $0.30 = $3.20 Currency conversion: 1% = $1.00 (on original $100) Total fees: $4.20 Net: $95.80
Surcharging: Pass fees to customers. Legal in most US states (check state laws). Example: "$100 item + 3% card processing fee = $103 total". Must disclose clearly. Alternative: offer cash discount ("$100 card, $97 cash") which has different legal treatment.
ACH/bank transfer preference: Encourage lower-fee payment methods. ACH fees typically 0.5-1% or $0.25 flat. Credit card 2.9% + $0.30. $1000 transaction: ACH fee $5-10, card fee $29.30. Savings: $20-24. Incentivize ACH with discounts or surcharge cards.
Minimum order values: Set minimum order to ensure profitability. If product margin is 20% and fees are 3.5%, net margin on small orders is only 16.5%. Calculate: minimum_order = fixed_fee / (margin - percentage_fee). Example: $0.30 fixed, 2.9%, 30% margin → minimum order ~$1.11 to break even on fees.
Annual vs monthly billing: Reduce fee frequency. Monthly $10 plan = 12 fees of (2.9% + $0.30) = $7.08/year. Annual $100 plan = 1 fee of (2.9% + $0.30) = $3.20/year. Savings: $3.88. Offer $96 annual (20% discount) and still save $3.88 - $4 = break even.
This tool calculates payment processing fees accurately for pricing decisions, margin analysis, and financial planning.
How developers use fee calculation
Determine net revenue after Stripe fees (2.9% + $0.30) to ensure profit margins are maintained. Decide whether to absorb fees or pass to customers. Essential for SaaS and e-commerce pricing strategy.
Calculate vendor payouts after deducting marketplace commission and payment processing fees. Handle complex fee splits where marketplace and vendor share fee burden differently. Critical for Etsy-like or Airbnb-like platforms.
Calculate minimum transaction amount to ensure profitability after payment fees. Fixed fee component makes small transactions unprofitable. Determine break-even point where fees don't exceed profit margin.
Create revenue reports showing gross sales, fees paid, and net revenue. Essential for accounting, tax reporting, and business analytics. Reconcile payment processor statements with internal transaction records.
Master payment fee calculations
This tool calculates payment processing fees for various fee structures: percentage only, fixed only, or combined percentage + fixed. Calculate fees on transactions or determine gross amount needed to achieve target net revenue.
Transaction amount: Type the base transaction amount before fees ($100.00, $29.99). This is what customer pays or what you want to receive net of fees (depending on calculation direction).
Fee structure: Select fee type:
Custom rates: Enter your specific payment processor rates. Common examples:
Fee amount: Dollar value charged as fee. Example: $100 at 2.9% + $0.30 = $3.20 fee.
Net amount: Amount received after fees deducted. $100 - $3.20 = $96.80 net.
Effective percentage: Total fee as percentage of transaction. $3.20 / $100 = 3.2% effective. Higher than 2.9% due to fixed $0.30 component.
Calculation direction:
To receive specific amount after fees, calculate required gross amount.
Example: Want to net $100 after 2.9% + $0.30 fee Formula: gross = (target_net + fixed_fee) / (1 - percentage) Calculation: ($100 + $0.30) / (1 - 0.029) = $100.30 / 0.971 = $103.30
Customer pays $103.30 → fee $3.30 → you net $100.00
Use case: Vendor payout systems. Vendor wants $100, calculate what buyer must pay to cover fees.
Fixed fee creates variable effective percentage based on transaction size.
Small transaction ($10): Fee: ($10 × 0.029) + $0.30 = $0.29 + $0.30 = $0.59 Effective: $0.59 / $10 = 5.9%
Medium transaction ($100): Fee: ($100 × 0.029) + $0.30 = $2.90 + $0.30 = $3.20 Effective: $3.20 / $100 = 3.2%
Large transaction ($1000): Fee: ($1000 × 0.029) + $0.30 = $29.00 + $0.30 = $29.30 Effective: $29.30 / $1000 = 2.93%
Insight: Fixed fee impacts small transactions disproportionately. Larger transactions approach percentage-only effective rate.
Compare different payment processors or methods:
Credit card (Stripe): 2.9% + $0.30 $100 transaction: $3.20 fee (3.2%)
ACH transfer: 0.8% + $0.00 $100 transaction: $0.80 fee (0.8%)
Savings: $2.40 per $100 transaction using ACH vs card
At scale: 1000 transactions/month × $2.40 = $2,400/month savings ($28,800/year)
Absorb fees: Include fees in price. Sell for $100, you net $96.80. Simple for customers, but reduces margin.
Pass fees: Charge customer for fees. List price $96.80, add $3.20 fee, customer pays $100. You net $96.80. Transparent but may reduce conversion.
Hybrid: Absorb percentage, pass fixed. Charge customer $0.30 convenience fee. You pay 2.9%, customer pays $0.30. Splits burden.
Minimum order: Set minimum to ensure profitability. If $0.30 fee and 30% margin, need >$1 transaction to profit.
Everything you need to know
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All fee calculations happen entirely in your browser using client-side JavaScript arithmetic. Zero server communication, zero data transmission, zero logging.
Safe for calculating fees on confidential business transactions, merchant account analysis, competitive pricing strategy, or proprietary revenue models. Use with confidence for any payment fee calculations.
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