Receive the full 1,200 after a 2.9% + 0.30 card fee by charging 1,236.15 (a 36.15 fee).
- No upload
- No account
- No watermark
- No daily limit
- Stays in this browser
Preparing the local tool desk…
Payment Fee Calculator desk
Work out payment processing fees and the gross-up to receive a set amount
Work through the Payment Fee Calculator controls in order, then review the result before choosing your next action.
01
Enter the amount you need to receive and choose the currency.
02
Pick a fee scenario or enter your provider's percentage and fixed fee.
03
Quote the customer-pays figure and confirm it against your provider.
Receive 1,200 after a 2.9% + 0.30 card fee
| Step | Calculation | Result |
|---|---|---|
| Customer pays | (1,200 + 0.30) ÷ (1 − 0.029) | 1,236.15 |
| Processor fee | 1,236.15 − 1,200 | 36.15 |
| Effective rate | 36.15 ÷ 1,200 × 100 | 3.01% |
| Check | 1,236.15 − (2.9% × 1,236.15 + 0.30) | 1,200.00 |
Illustrative preset only. Copy your provider's actual percentage and fixed fee into Custom fee, and check whether you may pass fees on to customers where you sell.
PRACTICAL GUIDE
How to use Payment Fee Calculator with a clear next step.
Enter the amount you need to receive after fees, then choose a processing scenario (standard card 2.9% + 0.30, international 4.4% + 0.30 or reduced 2.2% + 0.30) or enter your own percentage and fixed fee. The result shows the fee, the amount the customer should pay so you still receive your figure, and the effective rate.
Use it to gross up an invoice or price so card and online payment fees don't come out of your margin. The preset scenarios are illustrative. Real fees depend on your provider, account, card type, currency conversion and country, so copy the percentage and fixed fee from your own provider's pricing into Custom fee. Check whether passing fees on to customers is allowed where you sell. The calculation runs in the current browser session. Check the result by applying the entered fee back to the proposed customer charge. With a target receipt of 100, an illustrative 3% percentage and a fixed charge of 0.30, the gross amount is approximately 103.40; subtracting the percentage of that gross amount and the fixed charge should return about 100 after rounding. Do not apply the percentage only to the net target. Choose a custom scenario when your provider’s agreement differs from the presets, and ensure the fixed charge uses the same currency as the target amount. Currency conversion, refunds, disputes and minimum charges can create additional differences that this single calculation does not model. If the denominator approaches zero because of an extreme fee percentage, correct the input instead of treating the result as a practical price. Verify the permission to surcharge separately, then reconcile actual settlement records with the estimate.
HOW THE RESULT WORKS
Customer pays = (amount you need to receive + fixed fee) ÷ (1 − percentage fee). Fee = customer pays − amount received, and effective rate = fee ÷ amount received × 100. The division matters because the processor charges its percentage on the grossed-up total, not on your original amount.
Compare standard and international card fees on the same invoice before you quote.
Enter your provider's own percentage and fixed fee with Custom fee.
COMMON QUESTIONS
Payment Fee Calculator FAQ
How is the gross-up calculated?
(Amount + fixed fee) ÷ (1 − percentage). To receive 1,200 with a 2.9% + 0.30 fee: (1,200 + 0.30) ÷ 0.971 = 1,236.15. The fee is 36.15, an effective rate of 3.01%.
Why not just add 2.9% to the price?
The processor takes its percentage from the total the customer pays. Charging 1,200 + 2.9% + 0.30 = 1,235.10 leaves you about 1,198.98 after the fee, so you fall short. Dividing by (1 − 0.029) closes the gap.
Are these the exact Stripe or PayPal fees?
No. The presets are illustrative scenarios. Use Custom fee with the rates from your own account and country.
Is anything I type uploaded?
No. The calculation runs in the current browser session and no account is needed.
Updated · Built and reviewed by Feroz Sheikh