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Payment Fee Calculator

Calculate transaction fees, net payouts, and reverse price markups for Stripe, PayPal, and credit cards.

Disclaimer: All calculations and figures are provided for informational purposes only and without warranty. This does not constitute legal, tax, or financial advice. Liability for any decisions made based on this calculator is disclaimed.
Scenarios:

2. Transaction Amount & Volume

$
tx.

💡 Reverse-Preiskalkulation: Wenn Sie genau $100.00 netto auf dem Bankkonto erhalten möchten, müssen Sie dem Kunden $101.83 in Rechnung stellen.

Net Payout per Transaction
$98.20

From $100.00 gross, processor deducts $1.80 in total fees.

Effective Fee Rate:1.8 %
Percentage:$1.50
Fixed per Tx:$0.30
💳 Stripe Standard $1.801.5 % + $0.3
🅿️ PayPal Händler $3.482.99 % + $0.49
🏦 SEPA Direct Debit $0.750.35 % + $0.4
Monthly Gross$5,000.0050 sales
Monthly Fees -$90.00payment costs
Net Payout / mo.$4,910.00to your account
Required Price$101.83to retain full net

Payment Gateway Unit Economics: Protecting Gross Margins

Merchant payment processing fees directly erode gross profit margins in high-volume e-commerce and subscription software.

1. Gateway Fee Breakdown

  • Stripe Standard (Domestic/EEA): 1.5% + $0.30 / 0.25 € – Optimized standard for card processing.
  • PayPal Commercial: 2.99% + $0.49 / 0.39 € – Premium rate offset by high consumer trust and brand conversion in B2C.
  • PayPal Micropayments: 5.0% + $0.09 – Ideal pricing floor for digital products under $10.
  • Direct Bank Debit (SEPA / ACH): 0.35% + $0.40 – Maximum cost efficiency on transactions above $100.

2. The Reverse Pricing Equation

To pass gateway fees cleanly to customers or quote fee-inclusive invoices:Required Gross Price = (Target Net Payout + Fixed Fee) / (1 − Variable Percentage Rate)

Frequently Asked Questions (FAQ)

How are payment processor transaction fees calculated?▼

Most payment processors bill a blended fee combining a percentage cut of the transaction volume (e.g. 1.5% to 2.99%) plus a flat fixed transaction fee (e.g. $0.30 to $0.49 per charge).

Why do fixed transaction fees disproportionately hurt micro-transactions?▼

Because flat fees ($0.30–$0.49) remain constant regardless of ticket size, selling low-priced goods ($3–$10) results in effective fee rates exceeding 10% to 15%. For items under $10, PayPal Micropayments (5.0% + $0.09) is significantly more profitable.

What is Reverse Pricing (Gross-Up) Calculation?▼

Reverse pricing calculates the exact invoice amount you need to bill a customer so that after deducting gateway processing fees, you receive 100% of your targeted net amount.

When should merchants offer Direct Bank Debit / ACH transfers?▼

Direct bank debit protocols (such as SEPA in Europe or ACH in the US) have low percentage fees (0.35% to 0.8%), making them the ideal choice for high-ticket B2B sales and recurring SaaS subscriptions over $100.

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