Payment Processing Fee Calculator
Estimate the processing fee and net amount from a payment. You can also see the gross charge needed to receive a target amount after the entered fee.
Formula: Fee = payment x percentage + fixed fee. Gross-up = (target net + fixed fee) / (1 - percentage rate).
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Enter the numbers
Calculated result
Estimated processing fee
$29.30
2.90% plus $0.30
Net proceeds
$970.70
Payment amount minus estimated fee
Gross charge for target net
$1,030.18
Amount needed to net approximately $1,000.00
Formula: Fee = payment x percentage + fixed fee. Gross-up = (target net + fixed fee) / (1 - percentage rate).
Use the result correctly
What the calculation means
Actual fees can vary by card, country, currency, pricing plan, dispute, refund, tax, or payment method. Passing a processing fee to a customer may be restricted or require disclosure, so verify before adding a surcharge.
Useful for
- Estimate net proceeds from an invoice payment
- Compare payment methods or pricing plans
- Calculate a mathematical gross-up before checking surcharge rules
Frequently asked questions
Why is grossing up not the same as adding the fee percentage?
The processor also charges the percentage on the added amount. Dividing by one minus the rate accounts for that effect.
Can I pass card fees to my customer?
Rules, network requirements, and disclosure obligations vary. Verify them before adding any surcharge.
Does this include refund or dispute fees?
No. It estimates one percentage fee plus one fixed fee only.
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