Payment Gateway Fee & Net Payout Calculator
Calculate processing fees and net payouts for Stripe, PayPal, and Square, plus reverse calculate the exact invoice amount needed to receive full target…
Calculation Formula
How to Use the Payment Gateway Fee & Net Payout Calculator
- 1 Enter the Transaction or Invoice Amount ($).
- 2 Choose a preset gateway (Stripe 2.9% + $0.30, PayPal 3.49% + $0.49, Square) or set custom fees.
- 3 Review the calculated Fee Deducted and Net Payout Received.
- 4 Check the "Reverse Invoice Amount" to know exactly how much to charge your client.
Methodology & Algorithmic Standards
Fee = (Amount * Percentage / 100) + Fixed Fee. Net Payout = Amount | Fee. Reverse Invoice Amount = (Desired Net + Fixed Fee) / (1 - (Percentage / 100)).
Frequently Asked Questions
How does the Reverse Invoice formula work? ▼
To take home exactly $1,000 via Stripe (2.9% + $0.30), you must invoice $1,030.18: ($1,000 + $0.30) / (1 - 0.029).
Are international cards charged additional fees? ▼
Yes. Most processors charge an additional 1.0% to 1.5% for cross-border cards and an additional 1% for currency conversion.
Can I pass merchant processing fees to customers legally? ▼
Surcharging rules vary by jurisdiction. Many regions allow credit card surcharging provided it is clearly disclosed before checkout, while others prohibit it.
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