Finance Tools

Online Payment Processing Cost Calculator

Estimate total online payment processing costs based on your monthly volume, average transaction size, fee rate, and fixed fees per transaction.

Online Payment Processing Cost Calculator

Estimate your monthly payment processing costs using your transaction volume, average ticket size, and pricing (percentage + fixed fee).

How many payments you process in a typical month.

Your average order value (AOV) or average invoice amount.

Percentage fee charged by your payment processor (e.g., 2.9%).

Flat fee charged per transaction (e.g., $0.30).

Results

Estimated Monthly Volume$13,500.00
Percentage Fees$391.50
Fixed Fees$90.00
Total Monthly Processing Fees$481.50
Effective Fee Rate3.57%

Effective fee rate = total fees ÷ monthly volume. This helps compare pricing models.

How it works

Most payment processors charge a percentage of each transaction plus a fixed fee per transaction. This calculator estimates your monthly costs by multiplying your monthly volume by the percentage fee, then adding your transaction count times the fixed fee.

FAQ

Does this include chargebacks or refunds?

No. Chargeback, refund, and dispute fees vary by provider and are not included here.

What if I have tiered or blended pricing?

Use an average effective fee rate and fixed fee that best represents your overall pricing.

Why does effective fee rate matter?

Effective rate makes it easier to compare processors, especially when average transaction size changes.

How to use this online payment processing cost calculator

  1. Enter your monthly number of transactions.
  2. Enter your average transaction amount.
  3. Enter the percentage fee rate and fixed fee per transaction.
  4. View estimated monthly processing fees and effective fee rate.

Example

Estimate monthly processing costs for an online business.

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