Card payment
A $2,500 payment has a 2.9% fee and a $0.30 flat charge.
Fee is $72.80 and net payout is $2,427.20.
The percentage fee does most of the work, but the fixed fee still matters on smaller payments.
Payment Processing Fee Calculator
Use this calculator when you want to see the real amount left after a processor takes its percentage fee plus any fixed charge.
Inputs
Payment Processing Fee Calculator
See what card processors or payment platforms keep from each payment.
Results
Processor fee snapshot
Estimate the fee amount and how much you actually keep after charges.
Fee amount
$72.80
What the processor keeps.
Net payout
$2,427.20
Amount left after fees.
Effective fee
2.91%
Fee as a share of the payment.
Quick take
A quick read before you calculate
Use this calculator when you want to see the real amount left after a processor takes its percentage fee plus any fixed charge.
Formula
Processing fee formula
Examples
2-3 real scenarios to make the result easier to trust.
FAQ
Clear answers to the questions people usually ask first.
Formula
Processing fee formula
Fee = Amount × Percentage rate + Fixed fee. Net payout = Amount - Fee.
This is useful for cards, payment links, and platforms that charge both a percent and a flat amount.
Examples
Smaller online sale
A $90 payment has a 3.2% fee and a $0.30 flat charge.
Fee is about $3.18.
Flat fees are more noticeable when the payment itself is small.
Higher ticket order
A $12,000 payment has a 2.5% fee and a $0.30 flat charge.
Fee is about $300.30.
At larger amounts, the percentage rate becomes the main cost driver.
When to use
Use it before you send an invoice or take a payment so you can price around the fee instead of guessing later.
Common mistakes
- Ignoring the fixed fee when estimating margins.
- Treating net payout as the same as profit.
- Using the wrong rate for a different payment method or region.
FAQ
Does this include refunds or chargebacks?
No. It only estimates the normal processing fee for a payment.
Why is my payout lower than the invoice amount?
Because the processor removes the fee before the money reaches your account.
Next step
Want cleaner invoice totals?
If you invoice often, QuickBooks or Xero can help you track payment fees, revenue, and outstanding balances together.
Recalculate whenever the payment size or processor rate changes.