Finance Tools
High-Volume Payment Processing Cost Calculator
Estimate payment processing costs for high-volume businesses and see how average transaction size affects total fees and effective rates.
High-Volume Payment Processing Cost Calculator
Estimate processing costs for high-volume businesses and see how average transaction size affects your effective fee rate.
Total gross payment volume processed in a month.
Total number of payments processed in the month.
Effective fee rate: 2.80%
How it works
Processing costs combine a percentage fee on total volume and a fixed fee per transaction. When average transaction size is small, fixed fees can significantly increase the effective rate.
FAQ
Why does average transaction size matter?
Fixed fees are charged per transaction, so smaller transactions pay proportionally more in fixed fees.
Does this include refunds or chargebacks?
No. It estimates processing fees only. Add operational and dispute costs separately if they apply.
How to use this high-volume payment processing cost calculator
- Enter total monthly payment volume.
- Enter monthly transaction count.
- Enter processing fee rate and fixed fee per transaction.
- View total fees, average transaction size, and effective fee rate.
Example
Estimate fees for $500,000/month across 10,000 transactions.
- Monthly volume: $500,000
- Transactions: 10,000
- Fee: 2.6% + $0.10
- Avg transaction: $50
- Total fees: $14,000
- Effective rate: 2.80%
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