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X-Facture Finance Engine

Stripe & PayPal Merchant Fee Calculator

Calculate net payouts after merchant processing fees or find the exact gross amount to charge clients to cover gateway deductions.

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Transaction & Processor Settings

%
$
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Transaction Breakdown

01Gross charged$1,000.00
02Processor fees-$29.30
03Net payout$970.70
paymentsTransaction amount
$
Change the amount above to update the entire payment flow instantly.
Fee calculationAmount
%Variable processing fee2.9% of transaction
-$29.00
paidFixed gateway fee$0.30 per transaction
-$0.30
remove_circle_outlineTotal processor deductionsAmount removed from the transaction
-$29.30
account_balanceNet payout to bankAmount retained by your business
$970.70
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To receive exactly $1,000.00, switch to Charge Extra to Cover Fees and bill $1,030.18.

Payment allocation

Where the money goes

2.93% fee
Business receives$970.70
Processor keeps$29.30
infoShare of the gross transaction retained by your business versus deducted by the processor.
Calculator guide

Stripe & PayPal Fee Calculator

Estimate payment processing fees, net payout and the amount to charge to receive a target amount.

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functions

Formula

Processing fee = Gross amount × percentage rate + fixed fee. Target gross = (Target net + fixed fee) ÷ (1 − percentage rate).

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How it works

Choose a processing-fee preset or enter custom rates. The calculator can work forward from a customer charge to the merchant payout or reverse the formula to find the charge needed for a target net amount.

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Assumptions & notes

  • Processor pricing varies by country, payment method, currency and account type.
  • Presets are estimates and should be checked against the processor’s current pricing.
  • The calculator does not model every processor surcharge or dispute fee.