Credit Card Processing Fee Calculator
A $100 sale at 2.9% + $0.30 costs $3.20 in fees — you keep $96.80. Enter your numbers below.
Estimate only — actual processor rates and fee structures vary; not financial advice.
How the processing fee calculator works
Every card sale loses two pieces to the processor: a percentage of the sale amount and a fixed fee per transaction. The calculator adds them — fee = amount × rate ÷ 100 + fixed — then multiplies by the number of sales for the total cost and subtracts that from your gross to show exactly what you keep.
Small sales feel the fixed fee most. On a $5 sale at 2.9% + $0.30 the fee is $0.45 — an effective rate of 8.9% — while the same rate on a $100 sale costs only 3.2%. The “What to charge” mode works backwards, grossing up your target net so the sale price covers both parts of the fee.
fee = amount × rate% + fixed · net = amount − fee
Related tools
If your register adds tax on top of the sticker price, run the Sales Tax Calculator first so your sale total is right — then use this page to see exactly what the processor takes from it. Service businesses can also pair it with the Tip Calculator when tips run through the same card payment.
Credit card processing fee calculator FAQ
What is a typical credit card processing rate?
Most processors charge a percentage of each sale plus a small fixed fee per transaction; check your processor's current rate schedule for exact figures.
How can I lower processing fees?
Compare interchange-plus pricing, review your statements annually, and avoid keyed or manual entry when possible since it costs more. Ask your processor about annual volume discounts.
What's the difference between the rate and the effective rate?
The quoted rate is the percentage taken from each sale; the effective rate is total fees ÷ total sales. It runs higher on small tickets because the fixed per-transaction fee dominates.
Do I get the fee back on a refund?
Usually no — most processors keep the original processing fee when you refund a sale.