Payment Fee Calculator Widget

Add a payment processing fee calculator to your website. Sellers enter a percentage and fixed fee per transaction and see what they actually receive from a payment - or the amount to charge so that they receive a set figure after fees.

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<iframe src="https://a2z.tools/embed/w/payment-fee-calculator" title="Payment Fee Calculator by A2Z Tools" width="100%" height="600" style="border:0;width:100%" loading="lazy" allow="clipboard-write"></iframe>

A plain iframe. Works everywhere, including site builders that strip scripts. Adjust height if your content needs more room.

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How it works

Most card and wallet processors charge a percentage of the payment plus a fixed amount per transaction. In receive mode the widget subtracts that fee from the amount charged. In charge mode it grosses the amount up: because the fee is also charged on the fee, you must divide by (1 - fee %) rather than add the percentage on top, and the result is rounded up to the cent so you are never short. The example presets are generic combinations, clearly labelled, not any provider's current price list.

Calculation method

  • Fee = amount x fee % / 100 + fixed fee
  • You receive = amount - fee
  • Amount to charge = (amount wanted + fixed fee) / (1 - fee % / 100), rounded up to the cent
  • Effective fee rate = fee / amount x 100

Worked examples

Grossing up to receive 100

Inputs: Charge mode; want 100; fee 2.9% + 0.30

Result: Charge 103.30; fee on that charge 3.30; you receive 100.00

(100 + 0.30) / 0.971 = 103.296..., rounded up to 103.30.

A small payment

Inputs: Receive mode; charge 20; fee 2.9% + 0.30

Result: You receive 19.12; fee 0.88; effective rate 4.4%

The fixed 0.30 is 1.5% of 20 on its own.

Limitations

  • One percentage plus one fixed fee per transaction; tiered, blended or interchange-plus pricing, chargeback fees and monthly fees are not modelled.
  • The preset rates are generic examples, not any provider's current tariff.

Where publishers use it

  • Freelancers and consultants deciding whether to pass card fees on to clients
  • Online-store and invoicing guides comparing payment providers
  • Nonprofit donation pages explaining how much of a gift arrives after fees
  • Event organisers setting ticket prices that cover processing fees
  • Membership, subscription and SaaS founders deciding whether to absorb or pass on card-processing costs at checkout

Questions

Why not just add the fee percentage to my price?

Because the processor also takes its percentage from the extra you add. To receive 100 at 2.9% + 0.30 you need to charge 103.30, not 103.20.

Are the preset rates my provider's real prices?

No. They are example rates only. Providers change pricing and charge differently by country, card type and volume, so check your provider's current pricing and enter it as your own rate.

Can I pass fees on to customers?

Rules on surcharging differ by country, card network and provider. Check them before adding a surcharge.

Does it include currency conversion or international card fees?

No. Add those to the percentage if they apply to the payment.

Why do small payments lose a bigger share to fees?

The fixed part weighs more on a small amount. At 2.9% + 0.30, a 100 payment costs 3.20 (3.2%) but a 20 payment costs 0.88, an effective 4.4%.

What is interchange-plus pricing?

Instead of one flat rate, the processor passes on the card network's interchange and scheme fees and adds its own markup, so the percentage varies by card. Enter your average effective rate from a monthly statement to use the widget with it.

Do refunds and chargebacks cost extra?

Often. Many processors keep the original fee on a refund and charge a separate dispute fee on chargebacks; neither is included here.

What effective rate am I paying across all my sales?

Divide a month's total fees by that month's gross card sales. With a fixed per-transaction fee, a shop with many small tickets pays a noticeably higher effective rate than one with a few large invoices at the same headline price.

Cite or recommend this tool

If you reference this tool in an article, course or documentation, these formats are ready to copy. They are optional - nothing is added to your site unless you paste it.

A2Z Tools Payment Fee Calculator
https://a2z.tools/embed/payment-fee-calculator

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