Cash flow · 2026
Payment Processor Fee Calculator
Enter the amount you are charging to see what lands in your account — and what to invoice instead if you need the full amount.
$
You receive$970.70
- Fee per transaction
- $29.30
- Effective fee rate
- 2.9%
- Charge this to receive the full amount
- $1,030.18
- Fees per month
- $293.00
- Fees per year
- $3,516.00
Planning estimate only. The result follows the inputs and method shown on this page. It does not evaluate legal enforceability, contractual terms, taxes, or your full circumstances and is not legal, tax, or financial advice.
Transparent method
How this calculator works
- Apply the selected provider percentage plus its fixed domestic online transaction fee.
- Solve algebraically for the gross charge required to receive an exact net amount.
- Multiply the per-transaction fee by monthly volume for monthly and annual estimates.
What the result does not include
- International cards, currency conversion, disputes, manual entry, instant payout, nonprofit, and custom-volume pricing are not included.
- Provider pricing changes; verify the linked pricing page before quoting a customer.
Common questions
Can I pass the fee to my client?
Surcharge rules depend on state law, card type, and network requirements, and they can change. Verify the current rules before adding a fee. Many businesses instead include payment costs in their overall pricing.
Why does the gross-up amount not equal amount plus fee?
Because the processor charges a percentage of the larger amount too. You have to solve for it rather than add the fee, which is why adding 2.9% leaves you slightly short.