Payment Processing Fee Calculator
Calculate fees, net received, or the amount to charge from a rate and fixed fee you enter.
What the customer pays.
Example: a gateway that takes 2.9% + 0.30 per payment. Use your provider’s real rates.
Your result
Enter the amount and the fee percentage.
How to use it
- Choose whether the amount is a charge or a net you want to keep.
- Enter the amount and the percentage, and add a fixed fee if there is one.
- Read the fee and the net, or the charge to request.
Examples
- From a charge100 at 2.9% plus 0.30 Fee 3.20 and net 96.80
- From a wanted netNet 100 at 2.9% plus 0.30 Charge 103.30, fee 3.30, net 100.00
- An ambiguous number1,250 A message rejects the number because the comma could mean thousands or a decimal, and no result
Tool details and privacy
Calculate a percentage fee and a fixed fee from the amount you charge, or reverse it: enter the net you want and see the charge to request.
The fee is a percentage of the charged amount plus a fixed fee. In reverse, cents are adjusted so the net matches what you typed after half-up rounding.
Options
- The fixed fee is optional. Leave it empty and it counts as zero.
- The percentage is of the charged amount, not of the net.
Limits
- Amounts use two decimal places and up to 12 digits before the decimal point. Rounding is half up.
- A wanted net cannot be solved when the rate is 100%, because the fee would take the whole charge.
- If the fee is greater than the charge, a message appears and no result is shown.
- 1,250 is rejected. Write 1250 or 1250.50.
- The tool does not contact a payment gateway and does not know your contract rate. You type the rate.
Privacy
The numbers are calculated in your browser and are not sent to any server.
Questions
How do I calculate the net after a 2.9% fee and 0.30?
On 100 the fee is 2.90 plus 0.30, which is 3.20, and the net is 96.80.
What should I charge to keep 100?
At 2.9% plus 0.30 you charge 103.30. The fee is 3.30 and the net is 100.00.
Is the percentage taken from the net?
No. The percentage is always taken from the amount the customer pays.
Does the tool know a gateway's rate?
No. Type the percentage and the fixed fee from your own agreement.