How much of each customer payment reaches the business after processing fees? Fixed fees matter most on small transactions, while percentage and cross-border fees dominate larger payments. Use the rates shown in your own provider agreement or statement.
WORKED EXAMPLE
Two hundred $50 online payments
Inputs
$50 per transaction, 200 transactions, 2.9% plus $0.30 and no cross-border surcharge.
Calculated result
The estimated fee is $1.75 per payment, $350 per month, and an effective rate of 3.5%. Net proceeds are $48.25 per transaction.
Decision meaning
A seller who must net $50 would need to charge about $51.80 at those assumptions. That is a pricing calculation, not a claim that a provider permits fee surcharging.
Check before acting
Replace presets with the current rate for the exact product, country and payment method.
Compare effective fee rate at your usual ticket size rather than comparing headline percentages alone.
Reconcile the estimate with a real settlement statement before changing prices.
Not included automatically
Disputes, refunds, currency conversion and instant-payout charges
Volume discounts, negotiated pricing and tax treatment
Rules governing whether processing costs may be passed to a customer
How to use it
A better decision in three steps.
01
Choose a US preset or enter a custom percentage and fixed fee.
02
Add any applicable cross-border surcharge from your provider agreement.
03
Use the required-charge result when you need to receive a specific net amount.
Core formula
The math behind the result.
Net received = charge × (1 − percentage fee) − fixed fee