U.S. merchant · USD scenarios

Payment Processing Fee Calculator

Estimate what you receive, what to charge to reach a target net amount, and how processing costs change with transaction volume.

Your payment scenario

Enter the full charged amount, including any taxes and shipping. Amounts are already in USD equivalents. Conversion inputs estimate a merchant cost as a share of gross; they do not fetch exchange rates or model the customer's card issuer fees.

Refunds default to retaining original fees with no additional charge. Enter a fee credit or refund charge only when your agreement confirms it. The refund scenario applies to this payment only; gross-up and monthly comparisons exclude refunds.

Inputs stay in your browser.

Monthly comparison

Same average ticket, channel and international/conversion choices for every provider. Each payment is rounded separately. Volume does not imply a negotiated discount. Entered monthly overhead applies only to the selected processor; other rows use the listed standard plan without extra overhead. Account-specific quotes apply only to the selected provider. Unavailable combinations require a quote.

Fees and net receipts at different transaction counts
Provider / serviceTransactionsMonthly feesNet receipts

Rates, dates and calculation method

Provider configurations are separate from the page and calculation engine. Each snapshot is effective for this model from October 6, 2026 and was reviewed that day; this is not a claim that the provider first introduced its rates on that date. Version us-2026-10-06.1. Next review: December 31, 2026.

Stripe presets model online cards or Terminal card readers, excluding Tap to Pay and optional terminal add-ons. PayPal online models PayPal Checkout, not every PayPal card-processing product. In-person models PayPal POS card-present. Square models the Free plan; legacy and paid plans can differ. Hardware, disputes, instant payouts, optional products and unentered costs are excluded.

Transaction fee = rounded gross × combined percentage + fixed charge. Individual percentage lines are rounded for display; a rounding-adjustment line reconciles them to the total. Provider billing and exchange-rate rounding can differ. Net receipt = gross - fee. Gross-up searches integer cents for the smallest charge meeting the target, subject to a $1,000,000 limit; it is a pricing calculation, not a recommendation to impose a surcharge.

Refund net = original net - refund + confirmed fee credit - additional refund charge. Monthly fees = per-payment fee × transaction count + entered overhead. These are estimates, not guaranteed settlement amounts. Use the manual mode for a negotiated or different product rate.

Sources: Stripe pricing, PayPal merchant fees, Square pricing, and Square international card fees.

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