Processing Fee Calculator
Turn any percentage-plus-fixed fee quote into a monthly cost estimate.
This generic processing fee calculator works for card payments, invoice payments, ticketing, booking fees, and marketplace fees.
- Best for quick estimates of percentage plus fixed fees.
- Add monthly software fees manually when comparing providers.
Formula:(transaction amount x percentage fee) + fixed fee, multiplied by monthly transactions.
Last reviewed:2026-05-17
Sources: Stripe US pricing, Square processing fees
When to use this
Calculate generic payment processing costs.
What you get
At 2.5% + $0.10 on $75 orders, 400 monthly transactions cost about $790.
Useful next step
Use the estimate to compare options, pressure-test pricing, or decide which fee model deserves a closer look.
Problems this helps with
- Opaque fee quotes
- Multiple processors with different fee structures
- Need to estimate net revenue
Example estimate
At 2.5% + $0.10 on $75 orders, 400 monthly transactions cost about $790.
Processing Fee Calculator examples
Processor-specific inputs
Stripe
Use case: Checkout, invoices, subscriptions, payment links
Rate to enter: Percentage plus fixed fee
Use this page for the all-in payment processing cost.
Square
Use case: POS, appointments, retail, restaurant payments
Rate to enter: Different rates by entry method
Compare in-person and online scenarios separately.
PayPal
Use case: PayPal checkout, invoices, marketplace payments
Rate to enter: Rate varies by transaction type
Enter the rate for the exact payment method.
Eventbrite
Use case: Ticketing fees and organizer fees
Rate to enter: Platform fee plus payment processing
Use the Eventbrite fee calculator for ticket-level defaults.
Shopify Payments
Use case: Store checkout payment costs
Rate to enter: Plan-based card rates
Use the Shopify fees calculator when monthly plan fees matter.
Sample calculations
Marketplace order
- Amount
- $40
- Rate
- 3.0% + $0.25
- Result
- $1.45 fee
Useful for seller, booking, and creator platform estimates.
Service invoice
- Amount
- $250
- Rate
- 2.9% + $0.30
- Result
- $7.55 fee
Shows the net revenue impact of accepting card payments.
Monthly volume
- Amount
- $75 x 400
- Rate
- 2.5% + $0.10
- Result
- $790 monthly fee
Matches processing fee calculator queries with a volume-based result.
Online processing fee
- Amount
- $120 checkout
- Rate
- 2.9% + $0.30
- Result
- $3.78 fee
Frames the page around online payment processing rather than unrelated processing charges.
Fee table
| Fee type | Example model | Best calculator use | Watch out for |
|---|---|---|---|
| Payment processing | 2.9% + $0.30 | Card, invoice, checkout, and payment link fees | Card type, keyed payments, international cards |
| Platform transaction fee | 1% to 5% | Marketplace, creator, booking, and ticketing platforms | Whether payment processing is separate |
| Monthly software fee | $10 to $99/month | POS, ecommerce, invoicing, or membership tools | Plan limits, app fees, hardware rentals |
| Chargeback or dispute fee | Flat fee per dispute | Risk planning, not normal order estimates | Refund policy and dispute volume |
Use this table to decide which numbers belong in the calculator. The exact rates should come from your processor, platform, or merchant agreement.
Find a lower-fee setup
Continue with a related tool or comparison that helps turn the estimate into a clearer decision.
Related fee tools
FAQ
What fees should I include?
Include the percentage fee, the fixed per-payment fee, and any monthly account fee when you compare providers.
How do I calculate a processing fee?
Use the formula transaction amount times percentage fee, plus the fixed fee. For monthly cost, multiply that fee by expected transaction count and add any monthly platform fee.
What is a payment processing fee calculator used for?
It helps estimate card, invoice, checkout, ticketing, marketplace, or platform fees before you compare providers or set prices.
Is this for online processing fees?
Yes. It is best for online payment processing fees, merchant processing fees, card processing fees, invoice payment fees, and platform checkout fees that use a percentage plus fixed-fee model.
What is the difference between processing fee and payment processing fee?
Processing fee can mean many things. This calculator focuses on payment processing fees: the cost to accept card, invoice, checkout, marketplace, or online merchant payments.
How do I calculate net revenue after processing fees?
Subtract the estimated processing fee from gross revenue. For example, a $250 payment with a $7.55 fee leaves $242.45 before other costs.
Can I compare Stripe, Square, PayPal, and Shopify fees here?
Yes. Enter each provider's current percentage fee, fixed fee, and monthly transaction count to compare the estimated processing cost.
Is a lower percentage always better?
Not always. For low-ticket businesses, a lower fixed fee can matter more than a slightly lower percentage rate.
Who should use this calculator?
Small businesses, creators, service providers, and operators comparing payment or platform fee quotes.