The method
How it is worked out
Monthly fees = Sales × % fee + Transactions × fixed fee + monthly fee
- effective rate
- Total fees as a share of sales
Payment Processor Fee Calculator
See what Stripe, PayPal, Square or any processor keeps from your sales, and what a cheaper rate would save. The result updates as you type so you can compare scenarios quickly.
Keep in mind
What it leaves out
- Card mixInternational and premium cards usually carry a higher rate.
- Chargebacks and refundsFees on refunds are often not returned.
- Payout timingA slower payout has a cash-flow cost the fee comparison ignores.
Use the calculator to compare scenarios rather than as a guaranteed forecast.
About the Payment Processor Fee Calculator
Work out what your card processor really keeps from your monthly sales and whether an alternative offer is cheaper for your basket size. Percentage rates and fixed per-transaction fees pull in different directions depending on your average sale.
How it works and an example to tryShow less
How to use the result
Monthly fees are sales times the percentage fee, plus transactions times the fixed fee, plus any monthly charge. The effective rate divides total fees by sales. A break-even sale size shows where one pricing structure overtakes the other.
Example to try
£40,000 of sales across 800 transactions at 1.5% + 20p costs £760. An alternative at 1.2% + 25p with a £20 monthly fee costs £700: £720 a year saved, if payout speed and dispute handling are comparable.
Put it to work
Try it on a real situation
Load an example
What moves the result most
Worked out from your figures above. Tap a row to try it.
Who uses it, and when
Online shops, cafés and market traders comparing Stripe, PayPal, Square, SumUp, Zettle or a merchant account, and finance teams renegotiating rates.
Mistakes worth avoiding
- Judging processors on the headline percentage alone when your average sale is small.
- Ignoring monthly minimums and chargeback fees in the comparison.
- Switching for a small saving and losing next-day payouts you relied on.
Questions
What does the Payment Processor Fee Calculator do?
See what Stripe, PayPal, Square or any processor keeps from your sales, and what a cheaper rate would save.
How should I use the result?
Monthly fees are sales times the percentage fee, plus transactions times the fixed fee, plus any monthly charge. The effective rate divides total fees by sales. A break-even sale size shows where one pricing structure overtakes the other.
Does TechBullion store the information I enter?
The core calculation or transformation runs in your browser. Normal website security and analytics may still record page-level events, but the tool does not need to create a public record from your inputs.
What mistakes do people make with a payment processor fee calculator?
Judging processors on the headline percentage alone when your average sale is small. Ignoring monthly minimums and chargeback fees in the comparison. Switching for a small saving and losing next-day payouts you relied on.
Is the result guaranteed?
No. Use the result as a practical check or planning aid and verify important decisions with the relevant primary source, provider or professional advice.
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Results are estimates based on the figures entered, for general information only, and not financial, investment, tax or legal advice. See our terms of use.