Credit Card Processing Fee Calculator
Card processors usually charge a percentage of each sale plus a fixed fee. Enter your rates to see the cost per sale and per month, and the price that would leave you with the full amount.
Enter your figures below. Results update as you type.
Fee on this sale$3.20You keep $96.80
- Effective rate on this sale
- 3.2%
- Estimated fees per month
- $640.00
- Price to charge to keep the full amount
- $103.30
The fixed fee makes small sales proportionally more expensive. Rules on passing card fees to customers differ by state and card network, so check before adding a surcharge.
How the Card Processing Fees calculation works
Fee = sale x percentage + fixed fee
At 2.9% plus 30 cents, a $100 sale costs $3.20 and you keep $96.80. On $20,000 of monthly sales at that average ticket, processing costs $640. To net $100, you would need to charge $103.30.
Frequently asked questions
How much are credit card processing fees?
Typically 1.5% to 3.5% of each transaction plus a fixed fee of 10 to 30 cents, depending on the processor, the card type and whether the card is present.
Can I pass card fees on to customers?
In many US states you can add a surcharge to credit card payments, within limits set by the card networks and with clear notice. Some states restrict it and debit cards cannot be surcharged, so check the rules that apply to you.
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