Credit Card Processing Fee Calculator
Enter the percentage and fixed fee from your own merchant agreement to see the exact processing fee and payout on any charge. There is no single “average” rate — a real rate depends on your processor, channel, card mix, and negotiated pricing. For reference, the verified US standard online rates we publish are 2.90% + $0.30 (Stripe), 3.49% + $0.49 (PayPal), and 2.90% + $0.30 (Square). On a $100 charge those take $3.20, $3.98, and $3.20 respectively.
Calculations run entirely in your browser. No amount is sent to any server. Enter the rate from your own merchant agreement; we only verify the three presets.
How the calculation works
The fee is (charge × percentage rate) + fixed per-transaction fee. Your payout is the charge minus that fee. We compute the percentage part in integer cents and round it down before adding the fixed fee, so no fraction of a cent disappears. The effective rate shown is the total fee divided by the charge — it is higher on small payments because the fixed fee does not shrink. See what a payment processor fee is for a plain-English walkthrough.
Which rate should I use?
Use the rate on your merchant statement or pricing agreement — not a headline rate you found in an article. If you have not picked a processor yet, the three presets above are our verified US standard online seed rates, each with an official source, evidence grade, and last-verified date on the fee data pages. In-person, international, and custom/volume pricing are different and are outside this dataset, which is why this tool lets you type your own numbers.
Verified preset rates (US, online)
| Processor | Percentage | Fixed | Source | Verified |
|---|---|---|---|---|
| Stripe | 2.90% | $0.30 | Stripe Pricing (official) | 2026-11-07 |
| PayPal | 3.49% | $0.49 | PayPal US Merchant Fees (official) | 2026-11-07 |
| Square | 2.90% | $0.30 | Square Payments Pricing (official) | 2026-11-07 |
Work backwards from what you want to keep
Switch to “Keep → charge” to find the smallest charge that leaves you a target net amount. Simply adding the percentage to your price does not work, because the processor also charges a fee on the amount you added. Our pricing guide explains the gross-up formula with a worked example.
Informational only — not financial or tax advice.
NetFee Tools is an independent reference. Fee figures are seed values captured from each processor's official US pricing page and may be outdated or not apply to your specific account, transaction type, or volume. Always confirm current rates on the processor's official site. We are not affiliated with, endorsed by, or sponsored by Stripe, PayPal, or Square, and we do not display their logos.
Frequently asked questions
How are credit card processing fees calculated?
Multiply the charge by the percentage rate, then add the fixed per-transaction fee. At 2.90% + $0.30, a $100 charge costs $3.20 and nets $96.80. This calculator performs that math in exact integer cents.
What rate should I enter?
Use the percentage and fixed fee from your own merchant agreement or statement. There is no single “average” processing rate: pricing varies by provider, channel, card type, and volume. We deliberately do not publish an invented generic rate; the three presets are our verified US standard online merchant rates.
Can I use a rate from a processor you do not list?
Yes. Type any percentage and fixed fee into the two rate fields. Those numbers are your input and are not verified by us; calculations still use the same exact-cent math as our branded calculators.
Can I work backwards from the amount I want to keep?
Yes — switch to “Keep → charge”. Adding the percentage to your price is not enough, because the fee also applies to the added amount. To keep $100 at 2.90% + $0.30, the correct charge is $103.30.
Why is the effective rate higher on small payments?
The percentage part scales with the charge, but the fixed fee does not. A $0.30 fixed fee is 6% of a $5 charge and only 0.03% of a $1,000 charge. Try both amounts above to see the difference.
Who pays credit card processing fees?
In the US the merchant normally receives the charge minus the fee. Surcharging or setting minimums is subject to state law and card-network rules; this site provides fee data, not legal advice.