Payment Processing Fee Calculator
Enter your monthly volume and average transaction size to see exactly how much each major processor would charge — and which one saves you the most.
Total card transactions per month
Average amount per card charge
How Payment Processing Fees Work
Every time a customer pays with a credit or debit card, your payment processor charges a fee. This fee typically has two parts: a percentage of the transaction amount and a fixed per-transaction fee. Some processors also charge a monthly gateway fee.
For example, if you process a $100 transaction through Stripe at their standard online rate of 2.9% + $0.30, you would pay $3.20 in processing fees and receive $96.80.
Why Your Average Transaction Size Matters
The fixed per-transaction fee has a bigger impact on small transactions. If your average sale is $10, a $0.30 fixed fee represents 3% on top of the percentage fee. But on a $200 transaction, that same $0.30 is only 0.15%. Businesses with smaller transaction sizes should pay close attention to per-transaction fees.
Online vs. In-Person Rates
Most processors charge lower rates for in-person (card-present) transactions because the fraud risk is lower. If you accept payments both online and in person, use the “Mixed” option above for a blended estimate.