Credit Card Processing Fee Calculator
Credit card processing fees typically combine a percentage and a fixed per-transaction fee. Enter your average ticket, monthly transaction count, international-card share and converted share to estimate modeled fees and an effective rate. Charges not included in the model can change your final invoice.
Your payment mix
Start from a published rate or pick a provider preset, then adjust any field. Calculations run in your browser. Exact inputs and results are masked if you allow session replay.
A common published online card rate; edit any field.
Blended uses a base percentage and fixed fee; international-card and FX charges can apply separately. Interchange++ itemizes interchange, scheme fees and the processor’s markup.
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 |
| Estimated monthly subtotal | $1,850.00 |
Estimates only. Starting rates are not a quote. Missing charges are excluded, not confirmed as zero. FX is modeled on converted volume; confirm its billing basis, reference rate and any additional charges in your quote.
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 1.2%, such as QRIS in Indonesia) — this calculator covers cards 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 | US-issued cards from 2.5% + US$0.30 (US-entity merchants) | Non-US-issued cards from 4.0% + US$0.30 (+1.5 percentage points included) | From 0.5% by currency pair; billing basis confirmed in quote | US$20 per dispute; US$0.30 per processed refund | US$0 setup; monthly charge confirmed in quote. US$0 annual fee; no minimum monthly billing. | Source as of 2026-10-15 |
| 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 |
HaiPay terms updated October 15, 2026; competitor rate snapshots retained from 2026-09-09. See each row’s source date.
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, HaiPay terms updated 2026-10-15
- 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. Setup and annual fees are US$0, with no minimum monthly billing.
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