Merchant Fee Calculator

Compare credit card processing fees across Square, Stripe, PayPal & more

What is this? This calculator reveals the true cost of accepting credit and debit cards at your business. It compares fees across Square, Stripe, PayPal, and other major processors — showing exactly how much you pay per transaction, monthly, and annually.

Who it's for: Small business owners, retailers, e-commerce sellers, and freelancers who want to know which payment processor costs them the least.

Transaction Details

Average Transaction ($)

Transactions / Month

Processor Rate (%)

Per-Transaction Fee ($)

Show advanced (monthly fees, PCI)

Your Processor Analysis

Fee Per Transaction

—

processing cost

Effective Rate

—

true all-in rate

Net Per Transaction

—

you receive

Monthly Fees

—

total fees

Annual Cost

—

processed/year

Annual Net Revenue

—

after fees

Processor Comparison

Processor	Rate + Per-Tx	Monthly	Annual Total	Annual Savings
Square	2.6% + $0.10	$0	—	—
Stripe	2.9% + $0.30	$0	—	—
PayPal	2.99% + $0.30	$0	—	—
Flat-Rate	3.5% + $0.30	$0	—	—
Your Processor	2.9% + $0.30	$0	—	—

Start Saving on Payment Processing Today

Ready to switch to a better processor? Use these affiliate links to sign up and support this calculator:

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Commissions help fund free calculator development. We only recommend processors we trust.

Estimates based on standard published rates. Actual fees may vary by business type, card present vs online, and volume. Verify all rates on processor websites before signing up.

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