Payment Processing Fee Calculator

About this calculator

Payment processors typically charge merchants a blended fee made of two parts — a percentage rate (commonly around 2.9%) plus a small fixed fee per transaction (often around $0.30) — so the total fee is (amount × rate %) + fixed fee, and the net amount is the transaction total minus that fee. This structure means the effective percentage cost is actually higher on small transactions than large ones.

Ecommerce merchants and small business owners use this math to understand their true payout per sale and to compare processors like Stripe, PayPal, or Square, whose pricing follows this same percentage-plus-fixed-fee model. This calculator takes the transaction amount, percentage rate, and fixed fee you enter and returns both the processing fee and the net amount received.