Credit card processing fee calculator
See what popular processors would charge for your sales, using each provider's standard published US rates.
How it works
How we calculate
For flat-rate providers, we multiply your in-person and online sales by each provider's published percentage and add the fixed per-transaction fee for your estimated number of transactions. For interchange-plus pricing, we add your selected average interchange and network cost to the provider's published markup.
Real costs vary with your card mix, refunds, chargebacks, international cards and any optional services, so treat these figures as estimates.
Rates used (checked November 2026)
Stripe: 2.7% + 5¢ in person, 2.9% + 30¢ online
Square: 2.6% + 10¢ in person, 2.9% + 30¢ online
PayPal: 2.29% + 9¢ in person, 2.99% + 49¢ online cards
Helcim: interchange + 0.40% + 8¢ in person, + 0.50% + 25¢ online
Authorize.net: 2.9% + 30¢ plus $25/month (All-in-One)
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