Credit Card Processing Fee Calculator
Credit card processing fees are a percentage of each sale plus a fixed amount per transaction — for example 2.9% + $0.30. Enter your average ticket, monthly transaction count and how much of your volume comes from international cards or needs currency conversion, and this calculator returns your fee per transaction, your monthly cost and the only number worth comparing across providers: your effective rate.
Your payment mix
Start from a published rate or pick a provider preset, then adjust any field. Nothing is stored and nothing is sent anywhere.
A common published online card rate; edit any field.
Blended = one rate for every card. Interchange++ = the network's cost plus the processor's markup, itemised.
Share of transactions paid with a card issued outside your market.
Share of volume settled in a different currency from the sale.
What you would pay
$100 × 500 transactions · 20% international · 20% converted
| Percentage part (2.90% × volume) | $1,450.00 |
| Fixed fees (per transaction) | $150.00 |
| International-card surcharge | $150.00 |
| Currency conversion | $100.00 |
| Monthly fee | $0.00 |
| Disputes & refunds | $0.00 |
| Monthly cost | $1,850.00 |
Estimates only. Rates marked “from” are floors; any figure marked “confirmed in quote” is account-specific and excluded. See what this calculator does not include below.
A worked example at typical rates
$100 average ticket, 500 transactions a month, 20% of them on international cards and 20% of volume converted. The rate is a typical published online rate of 2.9% + $0.30 with a 1.5% international surcharge and a 1% conversion fee. As of 2026-09-09 that mix costs $1,850.00 a month — an effective rate of 3.70%.
| Component | Formula | Amount |
|---|---|---|
| Percentage part | $50,000 × 2.9% | $1,450.00 |
| Fixed fees | 500 × $0.30 | $150.00 |
| International surcharge | $50,000 × 20% × 1.5% | $150.00 |
| Currency conversion | $50,000 × 20% × 1% | $100.00 |
| Monthly cost | sum of the above | $1,850.00 |
| Effective rate | $1,850.00 ÷ $50,000 | 3.70% |
Source: 2.9% + $0.30, +1.5% for international cards and +1% if currency conversion is required — Stripe pricing page, accessed 2026-09-09 (Sources 1).
How the fee is calculated
Fee per transaction = amount × percentage rate + fixed feeInternational cards usually carry a surcharge on top of the domestic rate, and currency conversion adds a separate percentage on the converted share of your volume. Monthly cost adds any monthly fee plus dispute and refund events.
Effective rate = monthly cost ÷ monthly volumeUnder Interchange++ the percentage is the sum of interchange, scheme fee and the processor's markup; the calculator lets you enter each part so the effective rate stays comparable with a blended plan.
What this calculator does not include
- Interchange variation by card type and region on blended plans — the blended rate already absorbs it; the calculator does not re-derive it
- Scheme assessments and cross-border scheme fees that some providers pass through separately
- Settlement transfer fees, FX reference-rate spread beyond the stated conversion fee, and rolling reserves
- Taxes on fees, minimum monthly volume requirements, and whether the original processing fee is returned on refunds
- Local payment methods (from 0.8% on our blended plan) — this version covers card payments only
- Any rate marked “from” or “confirmed in quote” — floors or account-specific figures, not guarantees
Anatomy of one $100 international card sale
Total fee $5.70 · net payout $94.30 · effective rate on this sale 5.70%
Domestic card, same rate: $3.20 fee → 3.20%. The mix, not the headline rate, sets the difference.
From headline rate to effective rate
÷ monthly volume = effective rate
Published rates behind the presets
Every rate links to the page it was taken from and carries the date it was checked. Providers that do not publish a figure are shown as “Not published” and that field is excluded from the estimate.
| Provider | Online card rate | International cards | Currency conversion | Dispute fee | Setup / monthly | Source |
|---|---|---|---|---|---|---|
| HaiPay | from 2.5% + $0.30 | Confirmed in quote | from 1% (1%–2.5% by market) | Confirmed in quote (refunds US$0.30) | $0 / $0 | Source as of 2026-09-09 |
| Stripe | 2.9% + $0.30 | +1.5% | +1% | $15 (dispute received) | $0 / $0 | Source as of 2026-09-09 |
| PayPal (Checkout) | 3.49% + $0.49 | +1.50% | 4.00% (3.00% for some transaction types) | $15 standard dispute / $20 chargeback | None listed for standard accounts | Source as of 2026-09-09 |
| Airwallex | 2.80% + $0.30 | 4.30% + $0.30 | 0.5% over interbank (major currencies), 1% others | Not published | None listed for payment acceptance | Source as of 2026-09-09 |
| Authorize.net | 2.9% + 30¢ | Not published | Not published | $0 (card) / $25 (eCheck) | $0 / $25 per month | Source as of 2026-09-09 |
| Adyen | $0.13 + Interchange+ + 0.60% (Visa/Mastercard) | Not itemised (Interchange++ pass-through) | Not published | Not published | $0 / $0 (minimum invoice applies) | Source as of 2026-09-09 |
Rates last reviewed 2026-09-09 against each provider's public pricing page.
Disclosure: HaiPay operates a payment gateway. Our row uses our own published pricing; every other row is taken from that provider's public pricing page on the date shown. Rates marked “from” are published floors.
Sources
- Stripe — Pricing & fees, accessed 2026-09-09
- PayPal — Merchant fees, accessed 2026-09-09
- Airwallex — US pricing, accessed 2026-09-09
- Authorize.net — Pricing, accessed 2026-09-09
- Adyen — Pricing, accessed 2026-09-09
- HaiPay — Payment gateway pricing, accessed 2026-09-09
- Payment gateway fees: complete cost breakdown (this site; illustrative IC++ split), accessed 2026-09-09
- U.S. Chamber of Commerce — How to calculate credit card processing fees, accessed 2026-09-09
Three payment mixes, same headline rate
All three use 2.9% + $0.30 with a 1.5% international surcharge and 1% conversion fee. Only the mix changes — and so does the effective rate.
Domestic-only small merchant
$45 average ticket · 1,200 transactions · 0% international · 0% FX
- Monthly volume
- $54,000.00
- Percentage part
- $1,566.00
- Fixed fees
- $360.00
- International surcharge
- $0.00
- Currency conversion
- $0.00
- Monthly cost
- $1,926.00
- Effective rate
- 3.57%
Cross-border e-commerce
$120 average ticket · 400 transactions · 30% international cards · 30% converted
- Monthly volume
- $48,000.00
- Percentage part
- $1,392.00
- Fixed fees
- $120.00
- International surcharge
- $216.00
- Currency conversion
- $144.00
- Monthly cost
- $1,872.00
- Effective rate
- 3.90%
Digital goods, high international mix
$250 average ticket · 200 transactions · 40% international · 30% converted
- Monthly volume
- $50,000.00
- Percentage part
- $1,450.00
- Fixed fees
- $60.00
- International surcharge
- $300.00
- Currency conversion
- $150.00
- Monthly cost
- $1,960.00
- Effective rate
- 3.92%
Source: rates as in the worked example above — Stripe pricing page, accessed 2026-09-09 (Sources 1). Mixes are illustrative.
Processing fee FAQ
Multiply the transaction amount by 0.03 and add any fixed per-transaction fee. On a $100 sale, a 3% + $0.30 plan costs $3.30, so you receive $96.70.
Among the providers in the table on this page, published online card rates run from 2.5% to 3.49% plus a fixed fee (accessed 2026-09-09), and the U.S. Chamber of Commerce cites a typical range of 1.5% to 3.5%. Whether 3% is high depends on your ticket size: on a $10 sale the fixed fee matters more than the percentage.
Total fees paid in a month divided by total card sales in that month. It is the only figure that lets you compare a blended plan with an interchange-plus plan on equal terms.
Cross-border transactions carry higher scheme costs and risk. Stripe, PayPal and Airwallex each publish a 1.5% international-card surcharge (accessed 2026-09-09), and a separate currency-conversion fee applies when settlement happens in another currency.
No. A plan with a lower percentage but a higher fixed fee costs more on small tickets, and international or conversion surcharges can outweigh a lower domestic rate.
The merchant pays the processor. Rules on passing the fee to customers as a surcharge differ by country and card scheme, so check scheme rules and local law before adding one.
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Your blended or IC++ pricing is confirmed in writing — no setup fee, no monthly fee.
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