What the result shows
The estimated yearly cost of percentage fees, per-order fees, refund handling, and chargebacks at your current sales volume.
Payment Processing Fee Calculator
Turn your processor rates and order mix into a yearly cost you can compare with statements or another payment plan.
Estimate what payments cost each year
Use the rates on your latest statements. Split orders between cards and PayPal so the estimate matches your real payment mix.
Estimated payment cost each year
$43,808
At $1,200,000 in annual sales, the entered rates take about 3.7% before any other selling costs.
- Processor fees each month
- $3,482
- Monthly refund handling
- $19
- Monthly chargeback costs
- $150
Find the payment costs worth checking.
How it is calculated
Apply each processor rate to its share of sales and orders. Add refund handling and chargeback costs, then multiply the monthly total by 12.
How to use it
Compare the effective cost with recent processor statements. If the estimate does not match, check the order mix, refund charges, and rate tiers before comparing plans.
What this result leaves out
Rates can vary by card type, payment method, country, currency, and plan. Foreign-card fees, currency conversion, failed-payment fees, and other plan-specific charges are not included.
Before you use the result
Why does average order value affect payment fees?
A fixed fee applies to each transaction. The same sales revenue spread across more small orders creates more fixed fees. Compare both the percentage rate and the cost per transaction when reviewing payment options.
Should retained processing fees go in the refund field?
Original processing fees are already counted on every order in this estimate. Enter only an extra fee charged for issuing a refund. Adding the original fee again would count it twice. Check how your provider treats refunds.
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