Payment Gateway Fee Calculator
See what a card or online payment costs. Enter the amount, your provider’s percentage fee and fixed fee per transaction, and any extra for international cards or currency conversion. The calculator shows the fee and the net amount you receive – or, the other way round, how much to charge so that you receive an exact amount after fees.
- Runs in your browser
- No sign-up
- Free to use
Fees are the ones you enter. Platforms change their pricing and charge different rates by country, category and plan – check the current price list.
How to use Payment Gateway Fee Calculator
- Choose whether you know the charge or the amount to receive.
- Enter the amount.
- Enter the fee rates.
- Read the fee and net amount.
Payment Gateway Fee Calculator features
Two directions
Net from charge, or charge from net.
Fixed + percentage
Typical gateway pricing.
Surcharges
International and currency.
Effective rate
Fee as a share of the amount.
Formula shown
Every result explains how it was calculated.
Any currency
Choose from 30+ currencies; amounts are formatted for it.
When to use Payment Gateway Fee Calculator
- Invoicing clients who pay by card.
- Pricing small online products.
- Comparing payment providers.
- Passing fees on to customers where allowed.
Payment Gateway Fee Calculator FAQ
Why does the fixed fee matter?
On small payments the fixed fee dominates: 0.30 on a 2.00 payment is 15%.
How do I make sure I receive an exact amount?
Use the “amount I want to receive” option, which divides by the remaining share after fees.
Are the rates built in?
No. Enter your provider’s current rates from its pricing page or contract.
Can I add the fee to my price?
Rules on surcharging differ by country and card scheme; check before charging customers extra.
Small payments, big fees
Payment fees look small as a percentage, but the fixed part makes low-value transactions expensive. Bundling small purchases or setting a minimum order can reduce fees.
The effective rate lets you compare providers with different fee structures on your typical payment.
All amounts stay on your device: the calculator runs in your browser, nothing you type is uploaded or saved, and the result updates as you change any field. The currency setting only changes how numbers are shown; no exchange rate is applied.
To keep a record, copy the main result with the copy button or note the breakdown shown under it. Reset brings back the example values, which is a quick way to see how the calculation behaves before entering your own figures.