Payment Processing Fee Calculator
Compare fees across different payment processors and find the best option for your business.
Total Monthly Sales: Enter values to calculate
| Provider | Fee % | Fixed Fee | Total Fees | You Receive |
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Understanding Payment Processing Fees
Percentage Fees
Most processors charge a percentage of each transaction. This typically ranges from 1.5% to 3.5% depending on the provider and card type.
Fixed Fees
In addition to percentage fees, many processors charge a fixed fee per transaction, usually between $0.10 and $0.30.
Monthly Fees
Some processors charge monthly subscription fees or minimum processing requirements. Our calculator focuses on per-transaction costs.
Interchange Fees
These are fees paid to the card-issuing bank. Most processors include these in their quoted rates, but some use "interchange-plus" pricing.
Frequently Asked Questions
Which payment processor is best for small businesses?
The best processor depends on your sales volume, average transaction size, and business type. Use our calculator to compare options based on your specific needs.
Do payment processors charge different rates for different card types?
Yes, many processors charge higher rates for premium cards, business cards, and international cards. Our calculator uses average rates, but actual costs may vary.
Can I negotiate payment processing fees?
Yes, especially if you have high sales volume. Many processors offer custom pricing for businesses processing over $10,000 per month.