Payment Processing Fee Calculator
Calculate transaction fees for Stripe, PayPal, Square, and Shopify, or use the reverse invoice calculator to find out how much to charge to receive your target net payout.
The gross transaction amount charged to your customer's credit card.
Select your payment processor or enter custom fee percentages below.
Amount deposited into your bank account
-$29.30
2.93%
Processor Comparison for $1,000
Fee: $29.30
Fee: $35.39
Fee: $26.10
Fee: $29.30
Fee: $5.00
How Credit Card Processing Fees Work
Payment processors charge a combination of a percentage fee and a fixed transaction fee. For instance, Stripe charges 2.9% + $0.30 per successful domestic card charge, while PayPal charges 3.49% + $0.49 for standard checkout.
The Reverse Invoice Formula ("How much should I charge?"):
If you want to receive an exact net amount in your bank account, you cannot simply add 2.9% to your invoice, because the processor will deduct 2.9% from that higher total. The mathematically correct formula is:
Invoice Amount = (Target Net + Fixed Fee) / (1 - Percentage Fee Rate)
Example: To receive exactly $1,000 via Stripe (2.9% + $0.30):Invoice Amount = ($1,000 + $0.30) / (1 - 0.029) = $1,000.30 / 0.971 = $1,030.18.
How to Use Payment Processing Fee Calculator (Step-by-Step)
Select your payment processor (Stripe, PayPal, Square, Shopify, or Custom fee).
Enter your invoice or transaction amount.
Toggle between standard fee calculation and reverse invoice fee mode.
Review the processing fee breakdown, effective rate %, and net deposit.
Applications
Common Use Cases
- Calculate merchant gateway deductions across major payment providers.
- Determine the exact invoice total needed to pocket your desired net amount.
- Compare domestic vs international card processing fee impact on bottom-line revenue.
Privacy Guarantee
Zero Server Uploads
Unlike traditional online converters that upload your confidential documents to external cloud servers, MultiToolX executes computations in your browser runtime via HTML5 Canvas, Web Crypto, and WebAssembly.
Your data never leaves your device and cannot be viewed, stored, or harvested by anyone.
Stripe vs PayPal vs Square Processing Fees: How to Calculate Net Take-Home Pay
A comprehensive merchant guide to payment processing fees across Stripe, PayPal, Square, and Shopify. Learn the exact reverse invoice formula to invoice clients accurately.
FAQ
Frequently Asked Questions
Why can't I just add 2.9% to my invoice?
Because the payment processor deducts their percentage from the total charged, not your original subtotal. Adding 2.9% still leaves you short. The mathematically correct formula is (Target + Fixed Fee) / (1 - Percentage Rate).
Does this calculator support international card surcharges?
Yes, you can toggle international card processing or cross-border fees to see the additional 1% to 1.5% assessment.
Are my financial figures stored or logged?
Never. All calculations run strictly in your browser using JavaScript. No transaction data is sent to our servers.
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