Finance Tools
Online Payment Fee Impact on Profit Margin Calculator
See how payment processing fees reduce your profit margin based on revenue, gross margin, and fee structure.
Online Payment Fee Impact on Profit Margin Calculator
Estimate how payment processing fees reduce your profit and profit margin based on revenue, gross margin, and fee structure.
Gross margin before payment fees (profit after COGS, before fees).
Margin after fees: 31.50%
Margin drop: 3.50 pts
How it works
This calculator estimates gross profit from your gross margin, then subtracts payment processing fees to show the margin impact.
FAQ
Is gross margin the same as net margin?
No. Gross margin excludes operating expenses. This tool focuses on the fee impact at the gross profit level.
What if I have multiple payment methods?
Use a blended average fee rate and fixed fee to approximate your mix.
How to use this online payment fee impact on profit margin calculator
- Enter monthly revenue and gross margin (%).
- Enter monthly transaction count.
- Enter processing fee rate (%) and fixed fee per transaction.
- View profit before fees vs after fees, and margin change.
Example
Estimate how fees affect a business with 35% gross margin.
- Monthly revenue: $60,000
- Gross margin: 35%
- Transactions: 1,200
- Fee: 2.9% + $0.30
- Margin after fees: 30.8%
- Margin drop: 4.2 percentage points
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