Payment Fee Calculator

Know what you really keep. Enter a transaction amount and your processor and this shows the fee and your net payout — so a price isn't quietly eaten by processing costs.

Need more than the free basics? Fees hurt most on cross-border payments. A service like Payoneer helps freelancers and sellers get paid internationally with lower conversion and withdrawal costs.

Try Payoneer →

Affiliate link — we may earn a commission if you sign up, at no cost to you. It never changes our honest take.

Why processing fees matter

A 2.9% + fixed fee sounds small until you run volume or thin margins. On a 10 sale, a 0.30 fixed fee alone is 3% before the percentage. Factor fees into your pricing, and for international payments watch currency-conversion markups, which often cost more than the headline rate. Always check what lands in your account, not the sticker price.

Frequently asked questions

What are typical payment processing fees?

Around 2.9% + a fixed fee per transaction for cards (Stripe, Square), and ~3.49% + fixed for PayPal. International and currency conversion add more.

How do I reduce payment fees?

Negotiate rates at volume, pass small fixed fees into pricing, and for cross-border payments use a service like Payoneer with lower conversion costs.

Does this include currency conversion?

No — it calculates the processor's percentage and fixed fee. Conversion markups on international payments are extra, and often the bigger cost.

This tool is free and runs entirely in your browser. The link above is an affiliate link: we may earn a commission if you sign up, at no extra cost to you, and it never changes our honest take.