Quick answer
Fee = amount × percentage fee + fixed fee. A $100 payment at 2.9% + $0.30 costs $3.20, leaving $96.80; to net $100 you must charge $103.30, found with (net + fixed) ÷ (1 − percentage).
Enter the payment amount, the percentage fee and the fixed fee. The calculator returns the fee, the net received and the charge needed to net the amount. Use this payment processing fee calculator to check your own figures.
Related tools: Margin Calculator: Profit, gross margin and markup from cost and revenue.
How to use the Payment Processing Fee Calculator
- Enter payment amount ($) (above 0).
- Enter percentage fee (%) (between 0 and 99).
- Enter fixed fee per payment ($) (0 or more).
- Press Calculate to see the result, and use Reset to start again.
| Input | What to enter | Allowed values |
|---|---|---|
| Payment amount | A number, in $ | > 0 |
| Percentage fee | A number, in % | ≥ 0, ≤ 99 |
| Fixed fee per payment | A number, in $ | ≥ 0 |
Formula and method
Formula
fee = amount × percentage + fixed fee; amount to charge = (net + fixed) ÷ (1 − percentage)
IEEE-754 double precision; shown to the decimals indicated.
Processor fees change and differ by country and payment type, so enter the rates from your own agreement.
Worked examples
These examples are verified: each one is an automated test case that the live calculator must reproduce exactly.
Example 1
Inputs: Payment amount = 100; Percentage fee = 2.9; Fixed fee per payment = 0.3.
| Result | Value |
|---|---|
| Fee | $3.20 |
| Net received | $96.80 |
| Charge needed to net this amount | $103.30 |
Example 2
Inputs: Payment amount = 59.99; Percentage fee = 3.49; Fixed fee per payment = 0.49.
| Result | Value |
|---|---|
| Fee | $2.58 |
| Net received | $57.41 |
| Charge needed to net this amount | $62.67 |
The first line is the headline result (fee). Below it the payment Processing Fee Calculator lists net received and charge needed to net this amount, which describe the same case from other angles. IEEE-754 double precision; shown to the decimals indicated.
Passing on the fee
Adding 2.9% to $100 and then charging $102.90 would not net $100, because the fee is also charged on the extra. Dividing by (1 − 0.029) accounts for that: (100 + 0.30) ÷ 0.971 = $103.30.
Rates are your input
No processor's current rates are built in. Enter the percentage and fixed fee from your own agreement; fees change and differ by country, card type and currency. Check the provider's fee page.
How the result changes with payment amount
Holding every other input at the first worked example, this table changes only payment amount. It shows how sensitive the answer is to that one value; each row was produced by running this calculator.
| Payment amount | Fee | Net received | Charge needed to net this amount |
|---|---|---|---|
| 50 | $1.75 | $48.25 | $51.80 |
| 100 | $3.20 | $96.80 | $103.30 |
| 200 | $6.10 | $193.90 | $206.28 |
| 400 | $11.90 | $388.10 | $412.26 |
What happens with invalid input
These messages are produced by the calculator itself, so you know what to fix.
- Payment amount: entering "0" shows "Payment amount must be greater than 0." beside that field and no result.
- Percentage fee: entering "100" shows "Percentage fee must be at most 99." beside that field and no result.
Choosing between the Payment Processing Fee Calculator and similar calculators
Each row shows what a related calculator on this site asks for and what it returns, so you can pick the one that matches your question.
| Calculator | You enter | It returns |
|---|---|---|
| [Down Payment Calculator](/real-estate/down-payment-calculator/) | home price and down payment | Down payment |
| [Lease Payment Calculator](/finance/lease-payment-calculator/) | capitalized cost, residual value and rate | Monthly lease payment |
| [Margin Calculator](/business/margin-calculator/) | cost and revenue | Gross margin |
| [ROI Calculator](/business/roi-calculator/) | amount invested and final value | ROI |
| [Markup Calculator](/business/markup-calculator/) | cost and markup | Selling price |
Background: business metrics
Business ratios depend on exactly which costs and revenues you include, so read each page's definition. Two common checks: break-even units = fixed costs ÷ (price − variable cost per unit), so $50,000 of fixed costs with a $10 price and $5 variable cost breaks even at 10,000 units; and net profit margin = net profit ÷ revenue, so $20,000 profit on $100,000 revenue is 20%.
Return on investment ignores time: 20% over five years is far less impressive than 20% in one, so compare returns over the same period.
Assumptions and limitations
- Rates are not built in
If a required value is empty, not a number, or outside its allowed range, the form marks that field with a message and shows no result instead of a misleading number. The automated checks deliberately try invalid entries for payment amount and percentage fee to confirm this.
Frequently asked questions
Does this work for Stripe or Square?
Yes, enter that processor's percentage and fixed fee.
What about international fees?
Add any extra percentage into the percentage fee.
Should I pass fees to customers?
That depends on the market and the rules in your country.
What does the Payment Processing Fee Calculator calculate?
Fee on a payment from a percentage and fixed charge you enter. It returns Fee, Net received and Charge needed to net this amount.
What formula does the Payment Processing Fee Calculator use?
fee = amount × percentage + fixed fee; amount to charge = (net + fixed) ÷ (1 − percentage). Processor fees change and differ by country and payment type, so enter the rates from your own agreement.
What do I need to enter in the payment Processing Fee Calculator?
You enter Payment amount ($), Percentage fee (%) and Fixed fee per payment ($).
How is the result rounded or limited?
IEEE-754 double precision; shown to the decimals indicated. Rates are not built in.
What is an example of a payment Processing Fee result?
With payment amount 100, percentage fee 2.9 and fixed fee per payment 0.3, the fee is $3.20.
Where does the method come from?
The method follows: Fee schedule of your payment processor.
Related calculators
- Margin Calculator — Profit, gross margin and markup from cost and revenue.
- ROI Calculator — Return on investment, with optional annualized return.
- Markup Calculator — Selling price from cost and markup percentage.
- Net Revenue Retention Calculator — Net and gross revenue retention for a starting recurring-revenue base.
Sources
- Fee schedule of your payment processor
Content last reviewed 2026-11-04. Formulas and worked examples are checked by automated tests against independently computed values.