The transaction fee calculator helps you calculate the total cost of a payment, including both percentage-based fees and fixed charges.
This type of fee structure is used by payment processors, ecommerce platforms, marketplaces, and financial services. Understanding these fees is essential for pricing, profitability, and business growth.
Even small fees can significantly impact margins, especially at scale. This calculator gives you a clear breakdown of total fees, net payout, and effective fee percentage.
Use this tool to compare providers, optimise pricing, and protect your profit on every transaction.
The calculator shows your total transaction fee, net payout, and effective fee rate.
The effective rate is particularly important, as fixed fees have a larger impact on smaller transactions.
Understanding these values helps you make better pricing decisions and avoid hidden profitability issues.
Formula:
Fee = Amount × Fee % + Fixed Fee
Net = Amount − Fee
Most payment providers use this hybrid fee model. The percentage scales with transaction size, while the fixed fee impacts smaller payments more heavily.
Reducing fee impact can significantly improve long-term profitability.
Example 1:
£75 at 2.5% + £0.20 → Fee = £2.08 → Net = £72.92
Example 2:
£15 at 3% + £0.10 → Fee = £0.55 → Net = £14.45
Example 3 (Small payments):
£5 sale → high effective fee due to fixed charge
A combination of percentage and fixed charges applied to payments.
The fixed fee represents a larger percentage of the total.
Yes, to maintain consistent profit margins.