Processor Fees Calculator — 2026
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?preset=Stripe|US or your saved preset name.fee calculator is a quick tool to convert gross↔net after card fees, FX, and cross-border.
Fee Calculator (2026): Net↔Gross Payment Fees Guide + Calculator
Fee calculator (2026) converts gross to net and net to gross while accounting for the extras that change your take-home: percent rate, fixed fee, international uplifts, FX spreads, refunds, and disputes.
Use this tool before publishing prices or sending quotes so your margin targets stay intact. It works in two modes: Gross→Net for storefront pricing and Net→Gross when you must receive a specific amount after fees.
The math is transparent, so you can audit results and reconcile them with processor statements. No black boxes.
References: Stripe pricing · Stripe payments docs
Stripe fees calculator · Break-even calculator · Sales-tax lookup
What this fee calculator includes
The calculator models a payment as percentage plus fixed, and lets you add optional uplifts for cross-border and currency conversion. Enter your listed price or target net, the base rate, the fixed fee, and any uplifts that apply to international cards.
For accuracy, copy values from your dashboard rather than generic tables. The tool returns your expected net, total fees, and effective percentage. Try several AOVs to see how the fixed fee dominates micro-payments and how the percentage dominates higher tickets.
If you send invoices, switch to Net→Gross to avoid under-quoting. For larger transactions compare with lower-cost rails such as ACH/SEPA. Reconcile monthly by exporting a CSV and adjusting rates or FX spread if gaps persist.
Fee calculator: TL;DR
- Processing = percent + fixed; international and FX add-ons increase the effective rate.
- Use Gross→Net for storefront pricing and Net→Gross for quotes.
- Micro-payments are dominated by the fixed component; benchmark thresholds with the fee calculator.
How it works
Let r be the percent rate and f the fixed fee. For gross price G and net N after fees:
N = G × (1 − r) − f and G = (N + f) / (1 − r). Include international uplift and FX in r’.
Examples and benchmarks
| Scenario | Inputs | Fees | Net | Effective % |
|---|---|---|---|---|
| Domestic | $25, 2.9% + $0.30 | $1.025 | $23.975 | 4.10% |
| International | $50, 2.9% + 1% + $0.30 | $2.25 | $47.75 | 4.50% |
| Micro-ticket | $2, 2.9% + $0.30 | $0.358 | $1.642 | 17.9% |
Best practices
- Run scenarios by AOV and international share using the fee calculator.
- Offer low-cost rails for high tickets where available (ACH/SEPA).
- Reconcile statements monthly using CSV exports from the tool.
Practical scenarios you can model today
Subscriptions: If you charge $19/month, test churn refunds and dispute fees. A 2.9% + $0.30 processor with 2% international share often yields an effective 5–7% cost after refunds and FX.
Use Gross→Net to see the take-home across 3, 6, and 12-month horizons. If you invoice annual pre-pay, switch to Net→Gross to set a list price that preserves the same margin as monthly plans.
Marketplaces: Model two ledgers: platform fee to you, and processing fee to the seller. Run sensitivity to average cart value and cross-border share. High-AOV items may benefit from ACH/SEPA without lowering your platform take.
Micro-transactions: Tickets under $5 are dominated by the fixed component. For a $1.99 purchase at 2.9% + $0.30, about 18% is consumed by fees. Consider batching, a minimum cart, or alternate rails.
International pricing: Add an FX spread assumption (e.g., 1.0–2.0%) on top of the cross-border uplift. Compare USD-listed vs local-currency pricing; local pricing with weekly auto-conversions can reduce refund friction.
Troubleshooting and monthly reconciliation
Statements rarely match your first estimate. When you see gaps, check these items before changing prices or quotes:
- Was a cross-border or wallet route used?
- Did settlement convert currency with an extra spread?
- Were partial refunds issued?
- Did any disputes land this cycle?
- Did your provider switch to micro-pricing for small tickets?
Export a CSV, group by payment method and currency, then compute realized percent and fixed components. Update assumptions for base rate, fixed fee, international uplift, and FX spread. Revisit quarterly; processors often negotiate better rates as volume grows.
FAQ
How do I use the fee calculator to get my net?
Enter gross price, base rate, fixed fee, and any international/FX add-ons. Read the net result and adjust assumptions to match statements.
Does the fee calculator support net→gross?
Yes. Switch to Net→Gross to back-solve the required list price to hit a target net after fees.