Afterpay/Clearpay Fee Calculator
Calculate
Estimate buy-now-pay-later fees (percentage + fixed) and net payout. Useful for merchants evaluating payment options.
Use this calculator when you need a fast, reliable answer without opening a spreadsheet. Enter your figures below and press Calculate. PercentNinja shows the key outputs you typically need for pricing decisions, VAT checks, ecommerce payouts or ad reporting.
When to use this
- Comparing payment processors and marketplace fees
- Estimating net payout before you ship an order
- Protecting your margin by understanding fee impact
Worked examples
Example 1
Question: £200, 4% + £0.20.
- Fee = 200×0.04 + 0.20 = £8.20
- Net = £191.80
Example 2
Question: £60, 3.5% + £0.30.
- Fee = 60×0.035 + 0.30 = £2.40
- Net = £57.60
Frequently asked questions
How is the merchant fee estimated?
As a percentage of the transaction amount plus any fixed per-transaction fee you enter. Actual BNPL pricing depends on your agreement and region.
What is net payout?
The transaction amount minus the estimated total fee—the cash you roughly retain before other costs like COGS, shipping, and tax.
Are these fees guaranteed to match my statement?
No. This is a quick estimate for planning. Always confirm fees, VAT treatment, and settlement timing with your payment provider.