Finance Tools

Payment Fee Rate Calculator

Calculate your effective payment fee rate based on percentage fees, fixed fees per transaction, and average transaction size.

Payment Fee Rate Calculator

Calculate your effective payment fee rate, including fixed fees per transaction. This helps you compare pricing across processors.

Percentage fee charged on the transaction amount.

Flat fee charged per transaction.

Your typical payment size (average order value).

Percentage Fee (per transaction)$1.45
Total Fee (percentage + fixed)$1.75
Effective Fee Rate3.50%

Effective fee rate = (total fee ÷ average transaction) × 100

How it works

Fixed fees matter more for small transactions. This calculator combines percentage and fixed fees to show the effective rate you actually pay.

FAQ

Why is my effective rate higher than the advertised rate?

Fixed fees increase the cost proportionally when transaction sizes are small.

Can I use this to compare processors?

Yes. Use your typical transaction size and each provider’s fee terms to compare.

How to use this payment fee rate calculator

  1. Enter the fee percentage charged by your processor.
  2. Enter the fixed fee per transaction.
  3. Enter your average transaction amount.
  4. View the effective fee rate including fixed fees.

Example

Estimate the effective fee rate for typical online payments.

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