Finance Tools
Online Payment Fee Break-Even Calculator
Find the break-even transaction amount (or volume) where switching from one payment fee plan to another becomes cheaper.
Online Payment Fee Break-Even Calculator
Compare two fee plans and find the break-even transaction amount where switching becomes cheaper.
The amount you want to test (per transaction).
Difference (A − B): $0.35 (Plan B cheaper)
Break-even amount is not meaningful for these fee settings (rates may be identical or dominated).
How it works
Each plan charges a percentage of the transaction plus a fixed fee. The break-even point is where both plans cost the same for a single transaction.
FAQ
Is this break-even per transaction or monthly?
This calculator finds a per-transaction break-even amount. For monthly switching decisions, combine this with your expected volume.
Does it include chargeback or subscription fees?
No. This compares processing fees only. Add other costs separately.
How to use this online payment fee break-even calculator
- Enter Plan A fee rate and fixed fee per transaction.
- Enter Plan B fee rate and fixed fee per transaction.
- Enter your transaction amount to estimate per-transaction savings.
- View break-even transaction amount and which plan is cheaper.
Example
Compare Plan A (2.9% + $0.30) vs Plan B (2.6% + $0.10).
- Plan A: 2.9% + $0.30
- Plan B: 2.6% + $0.10
- Transaction amount: $50
- Cheaper plan at $50: Plan B
- Break-even amount: $66.67
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- Online Payment Fixed vs Percentage Fee Calculator
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