Merchant Fee Calculator

Calculate payment processing fees and net revenue

What is this? Compare credit card processing fees across Stripe, Square, PayPal, and other processors. See true cost per transaction and which processor saves you the most.

Who it's for: Business professionals, investors, and entrepreneurs.
Transaction Data
Processor Terms
Fee Breakdown
Total Fees
—
Effective Rate
—
Net Revenue
—
Interchange Fees
—
Processor Fees
—
Annual Cost
—

For educational purposes. Actual fees vary by processor and card type.

Payment Processing for Business

Tools that pair well with this calculator — selected by our team.

Stripe →
Payment processing — 2.9% + 30¢ per transaction
Square →
Free POS, 2.6% + 10¢ in-person, invoicing
PayPal →
Accept payments everywhere — business debit card
ToolBest ForNetwork
StripePayment processingDirect
SquareFree POS, 2.6% + 10¢ in-person, invoicingDirect
PayPalAccept payments everywhereDirect

We may earn a commission if you click above. Calculator is free to use.

Frequently Asked Questions

What is the average merchant fee rate?

In-person: 2.6% + 10¢ (Square, Stripe). Online: 2.9% + 30¢. Keyed/card-not-present: higher. Volume discounts available. Compare total cost, not just percentage.

How do I reduce payment processing fees?

Pass fees to customers (surcharging), offer cash discounts, use PIN debit for high-dollar, batch transactions daily, use a processor with transparent pricing vs. tiered pricing.

What are interchange fees?

Interchange is the largest component of processing fees, paid to card-issuing banks. Processors mark up interchange by 0.1-0.5%. Understanding interchange helps you negotiate better rates.

Related Calculators