Payment Processing Fee Calculator
Calculate Stripe, PayPal and Shopify processing fees online for free.
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What is Payment Processing Fee Calculator?
The Payment Processing Fee Calculator applies gateway fee models - percentage plus fixed fee, as used by Stripe, PayPal and Shopify - in both directions. Charge mode shows the fee and net payout for a price; net mode reverse-solves the gross price to charge so a desired amount lands in your pocket, with the effective percentage exposing the true cost of small tickets.
Key Benefits
- Price products with fees baked in from the start
- Reverse-solve invoices for an exact desired payout
- Compare gateway presets at a glance
- See the real effective percentage on small payments
- Private and instant - everything runs in the browser
Common Use Cases
- •Pricing freelance invoices so the net lands where you need
- •Comparing Stripe versus PayPal for a product price point
- •Planning Shopify store margins with processing costs
- •Auditing how fees eat into small transactions
How to Calculate Payment Processing Fees
- Pick the provider: Choose Stripe, PayPal or Shopify - the standard rate and fixed fee fill in automatically.
- Adjust your rates: Change the percentage and fixed fee if your region or plan differs from the defaults.
- Choose the direction: Enter your price to see the net payout, or switch to net mode and enter the payout you want.
- Read the breakdown: See the fee, the net payout or gross price to charge, and the effective percentage.
Key Features
- Forward and reverse solving: price to payout, payout to price
- Stripe, PayPal and Shopify provider presets
- Editable percentage rate and fixed fee per region
- Effective fee percentage on every result
- Instant validation for impossible rates
- Free and private - all math runs client-side
Frequently Asked Questions
How is the processing fee computed?
Gateways charge a percentage of the transaction plus a fixed fee per transaction, for example 2.9 percent plus 30 cents. The fee is amount times rate plus the fixed fee, and the net payout is the amount minus the fee.
How does reverse solving work?
To end up with a specific net payout, the gross price is (net plus fixed fee) divided by one minus the rate. That gross price is what to charge so fees land exactly where you want them.
Are the provider rates accurate for my country?
The presets match published US standard rates and can change. Every field is editable, so enter the exact rate and fixed fee from your provider dashboard or contract.
Why is the effective rate higher on small payments?
The fixed per-transaction fee weighs more on small amounts. A 30-cent fixed fee is 3 percent on a 10-dollar payment but under 0.1 percent on a 100-dollar one, which the effective percentage makes visible.