Method and assumptions
Payment providers commonly combine a percentage with a fixed fee per transaction. Smaller transactions therefore carry a higher effective fee rate.
Total fee = payment volume × fee rate + transaction count × fixed fee. Required charge = (target net + fixed fee) / (1 - fee rate).
Common questions
Why is the effective rate above the advertised rate?
The fixed fee increases the effective percentage, especially for small transactions.
Does this include currency conversion?
Only when you enter it under other processing fees. Exchange-rate spreads are not estimated.
Independent calculator. Not affiliated with or endorsed by the platforms mentioned.