Merchant Fee Calculator

Calculate the cost of your current payment mix using the sales volume and fee rates you enter.

Your Fee RatesFour Payment TypesFree

Merchant Fee Calculator

Payment Mix (must total 100%)
30%
40%
20%
10%
Fee Rates
Total Monthly Payment Fees
Blended Fee Rate
Net Revenue (after fees)
Annual Fees Paid
Estimated Monthly Transactions

Fee Breakdown by Method

This is a weighted-rate estimate. Add provider flat fees, caps, taxes, refunds, chargebacks, settlement FX, hardware, cash handling and failed-payment costs to the entered percentages when they apply.

Frequently Asked Questions

Payment comparison workflow

Merchant Fee Calculator: quick guide

Enter monthly sales, average transaction value, a payment mix totaling exactly 100%, and your current effective rate for each method.

  • What you get: monthly and annual estimated cost, net revenue and a method breakdown.
  • How it works: each method's sales share is multiplied by its entered percentage cost.
  • What to check: convert flat fees, caps and non-percentage costs into a comparable effective rate or review them separately.

Planning estimate. The tool does not fetch provider prices or decide which payment method is best.

Merchant Fee Calculator FAQ

Why must the payment mix total 100%?

Each share allocates part of the same monthly sales total. A different total would omit or double-count revenue.

What rate should I enter?

Use your effective cost for that method. When pricing includes percentage and flat components, derive an effective rate from your own transaction pattern.

Does the tool use live provider rates?

No. All rates are entered by you and should be checked against current statements or written quotes.

What is a merchant discount rate?
It is a percentage deducted from eligible payment value by the acceptance chain. Your contract may also include fixed fees, taxes, caps or separate service charges.
How should methods be compared?
Use current written pricing and the same sales period. Also compare settlement timing, refunds, chargebacks, reliability, customer access and operational work.
Is cash free?
Not necessarily. Count staff time, reconciliation, deposit charges, transport, shrinkage and security if those costs matter to your business.