What a card payment really nets you — after the processing fee
Enter a sale and your processor's rate — a percent plus a fixed fee — and see the fee, your net deposit, and the effective rate. Need a price that survives the fee? Switch to gross-up mode and we'll tell you exactly what to charge so a target amount still lands in the bank. No signup, no email — and you enter the rate, so nothing about Stripe, Square, or any processor is assumed.
You'll actually receive
$0
- Amount charged
- $0
- Processing fee (0%)
- -$0
- Net deposit
- $0
- Effective fee rate
- 0%
Good to know
An estimate from your own numbers, not financial advice. The math is plain arithmetic — the fee is the amount times your rate plus the fixed fee; the reverse divides the target by one minus your rate. It doesn't assume any processor's pricing: always confirm your actual rate, which can vary by card type, and any monthly or statement fees this doesn't include.
How the processing-fee math works
No black box — it's plain arithmetic on the numbers you enter:
- Fee & net — fee = amount × rate + fixed, and net deposit = amount − fee.
- Effective rate — effective fee % = fee ÷ amount. The fixed fee makes small sales cost proportionally more.
- Gross-up (reverse) — to net a target, charge = (target + fixed) ÷ (1 − rate), and the fee is the difference.
A quick example: a $100 sale at 2.9% + $0.30 costs $3.20 in fees, so $96.80 hits your account. To actually net $100 at that rate, you'd charge about $103.40. On a tiny $5 sale that same fixed fee is a much bigger bite — which is why processing fees hurt low-ticket sales the most.
Losing real money to fees on every invoice? Sometimes the fix is offering a lower-fee payment option, or building the fee into your pricing — exactly the kind of thing we help small businesses sort out. See where it'd help in a free consult — no pitch.