Payment Fee Calculator
Calculate percent plus fixed payment processing fees, net received amount, or the gross charge needed for a target net.
Gross
$100.00
Fee
$3.20
Net
$96.80
Payment fee equals gross amount times percent fee plus a fixed fee.
Gross-up mode estimates the charge needed to receive a target net amount after fees.
Use provider terms
Enter the exact percent and fixed fee from your processor.
Separate taxes
Calculate tax, platform fees, and chargebacks separately when needed.
Example
$100 at 2.9% plus $0.30 leaves about $96.80 after fees.
Assumption
The processor uses a simple percent plus fixed fee structure.
Limitation
Tiered pricing, currency conversion, refunds, chargebacks, and taxes are not included.
Invoices
Estimate net income after processing fees.
Creator sales
Check platform payout assumptions.
Client quotes
Gross up a target received amount.
Finance planning
Compare fee scenarios quickly.
How are payment fees calculated?
A common fee model is gross amount multiplied by a percent fee, plus a fixed fee.
Can I calculate the gross amount needed to receive a net amount?
Yes. Use the gross needed mode to estimate what to charge before fees.
Does this use live provider rates?
No. Enter the percent and fixed fee from your payment provider or contract.
Does this include taxes or chargebacks?
No. It only calculates the percent plus fixed processing fee model.
Suggested workflow
Payment planning workflow
Estimate fees, calculate tax, then check profit margin.