FREE BUSINESS TOOL / NO SIGNUP
Credit card processing fee calculator
Estimate monthly processing costs from your own quote. Compare the total, net proceeds and effective rate without assuming a provider's advertised pricing.
Your monthly estimate
- Total fees
- Net sales after these fees
- Effective rate
How the estimate works
Total fees = card sales x percentage / 100 + transaction count x per-transaction fee + monthly fixed fees. Net proceeds = sales minus total fees. Effective rate = total fees / sales x 100.
Illustration only: $10,000 across 200 transactions at an entered rate of 3% plus $0.20, with $10 monthly fees, produces $350 total fees, $9,650 net proceeds and a 3.50% effective rate. This is not a provider quote.
Use comparable figures
Enter the same sales volume and transaction count for each quote. Include statement, gateway and software charges in monthly fixed fees when applicable. Blended pricing may differ by card type, entry method and country. Refunds, disputes, cross-border charges, taxes and funding timing are not modeled.
This tool does not calculate or authorize customer surcharges. Check provider and card-network rules separately.
Review KadePay plans and fees or compare business platforms.
Frequently asked questions
Does this calculator use KadePay rates?
No. Enter the current rate and fees from the quote you want to evaluate. The tool does not fetch or assume provider pricing.
What happens when sales are zero?
With zero sales and zero transactions, monthly fixed fees still apply. An effective percentage is not meaningful at zero sales.