{"head":{"title":"Payment Processing Fee Calculator | OceanLab","description":"Compare monthly card fees on Stripe and PayPal US list prices, or your own processor, with international and keyed-in shares. See the price to charge.","canonical":"https://oceanlab.in/tools/payment-processing-fee-calculator"},"tool":{"slug":"payment-processing-fee-calculator","path":"/tools/payment-processing-fee-calculator","name":"Payment processing fees","h1":"Payment processing fee calculator","lede":"Enter your monthly card payments and compare what each processor's published US rate would cost, and what to charge to receive a set amount.","category":"industry","categoryTitle":"Health, fintech and business software","method":["Fee per payment = payment × rate + fixed fee. Keyed-in payments use the manual-entry rate where the processor publishes one. International cards add the published surcharge where one was verified.","Effective rate = monthly fees ÷ monthly card volume.","Price to charge to receive an amount = (amount + fixed fee) ÷ (1 − rate).","Rates are standard US list prices from each processor's own page on the date shown. Square is not listed because its fee page did not say which plan each rate belongs to; Stripe's international surcharge could not be verified and is not included."],"sources":[{"label":"Stripe fees","url":"https://support.stripe.com/questions/manually-entered-card-payments","checkedAt":"2026-10-25"},{"label":"PayPal fees","url":"https://www.paypal.com/us/business/paypal-business-fees","checkedAt":"2026-10-25"}],"faq":[{"question":"Why is my real rate different?","answer":"Refunds, disputes, currency conversion, payouts and negotiated or interchange-plus pricing all change it. This compares list prices on the same volume."},{"question":"Does the fixed fee matter?","answer":"Yes, on small payments. A $0.30 fee is 3% of a $10 payment but 0.3% of a $100 one, so the cheapest processor can change with your average payment."},{"question":"Can I add my own processor?","answer":"Yes. Enter its rate, fixed fee and international surcharge and it joins the table."},{"question":"Is anything I enter sent anywhere?","answer":"No. The tool runs in your browser and there is no sign-up. Nothing leaves the page unless you choose to email your result to OceanLab."}],"updatedAt":"2026-10-25"},"related":[{"href":"/tools/saas-pricing-calculator","label":"SaaS pricing calculator","detail":"Enter your plans, customers and cost to serve, and see MRR, ARR, margin and the lowest price that hits your target."},{"href":"/tools/pci-dss-saq-picker","label":"PCI DSS SAQ picker","detail":"Say how you take card payments and see which PCI DSS self-assessment questionnaire likely fits, and why."},{"href":"/tools/kyc-cost-per-check","label":"KYC cost per check","detail":"Enter how many customers you verify each month and compare published KYC plans, minimums and the cost per customer you actually onboard."}],"studies":[{"meta":{"slug":"cenote","industry":"payments","projectType":"Payment gateway dashboard","country":"mx","tags":["fintech","saas"],"compliances":["PCI DSS","EMV 3-D Secure 2","Banxico card network rules","CFDI 4.0 (SAT)","LFPDPPP (2025)"],"cover":{"src":"/case-studies/cenote/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Cenote - Merchant Dashboard for a Mexican Payment Gateway","description":"Designed and built a clickable merchant dashboard for a Mexican online payment gateway that takes cards with meses sin intereses, SPEI transfers and OXXO cash vouchers in MXN: every payment from authorisation to settlement, declines in plain language, refunds with approval limits, chargebacks sorted by deadline and payouts that break down to the last fee.","category":"Payments / Payment Gateway Dashboard","client":"Mezquite Pagos"}}},{"meta":{"slug":"parley","industry":"payments","projectType":"Chargeback manager","country":"us","tags":["fintech","enterprise"],"compliances":["PCI DSS","CCPA","Visa Claims Resolution","Visa CE3.0","Visa VAMP","Mastercard ECP"],"cover":{"src":"/case-studies/parley/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Parley - Chargeback Manager with One Dispute Desk Across Every PSP","description":"Designed and built a clickable chargeback manager for a US merchant group with four online brands on Stripe, Adyen and Braintree: one inbox for every dispute with deadline countdowns, evidence gathered per reason code, a fight or accept recommendation with its reasons, pre-dispute alerts and dispute ratios tracked against network thresholds.","category":"Payments / Chargeback Management","client":"Fernhollow Commerce Group"}}},{"meta":{"slug":"rimtang","industry":"payments","projectType":"QR / POS payments app","country":"th","tags":["fintech","enterprise"],"compliances":["Payment Systems Act B.E. 2560","Thai QR Payment (EMVCo)","PCI MPoC","PDPA Thailand","AML Act B.E. 2542","Thai VAT and e-Tax Invoice"],"cover":{"src":"/case-studies/rimtang/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Rimtang - Phone-as-Till QR and Tap-to-Pay App with an Operations Console","description":"Designed a phone-as-till payments product for a Thai bank-owned payment service provider and its street merchants - dynamic Thai QR, tap to pay on the phone and cash - and built a clickable operations console where staff watch payments, match late QR confirmations by hand and approve the daily settlement run.","category":"Payments / QR & POS Payments","client":"Klong Thong Payments"}}},{"meta":{"slug":"rastro","industry":"payments","projectType":"Corporate cards & spend","country":"es","tags":["fintech","saas","tax"],"compliances":["PSD2 and SCA (RDL 19/2018)","PCI DSS","Invoicing rules (RD 1619/2012)","SII","Veri*factu (RD 1007/2023)","Ley Crea y Crece (Ley 18/2022)","IRPF allowance limits","Código de Comercio","AML (Ley 10/2010)","GDPR","LOPDGDD"],"cover":{"src":"/case-studies/rastro/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Rastro - Corporate Cards and Spend Management with IVA-Ready Receipts","description":"Designed and built a clickable spend-management platform for a Valencia fintech that gives Spanish SMEs company cards: budgets and card controls checked at authorisation, every transaction matched to its receipt, IVA marked recoverable or not from the invoice type, and a keyboard-driven review queue that turns card spend into bookable entries.","category":"Payments / Corporate Cards & Spend","client":"Almadraba Pagos"}}},{"meta":{"slug":"tsumugi","industry":"payments","projectType":"Subscription billing","country":"jp","tags":["fintech","saas","tax"],"compliances":["Qualified Invoice System","Electronic Books Maintenance Act","Installment Sales Act","ASBJ Statement No. 29","APPI"],"cover":{"src":"/case-studies/tsumugi/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Tsumugi - Subscription Billing with Qualified Invoices and Furikomi Matching","description":"Designed and built a clickable billing platform for a Tokyo SaaS company that sells shift scheduling and attendance software to Japanese businesses: invoice runs by each customer's closing date, qualified invoices with tax rounded once per rate, bank transfer matching on half-width katakana payer names, and dunning by payment method.","category":"Payments / Subscription Billing","client":"Hoshizora Cloud K.K."}}}],"more":[{"href":"/case-studies/industry/payments","label":"Payments case studies","detail":"Every OceanLab product build in Payments."},{"href":"/case-studies","label":"All case studies","detail":"Every OceanLab product build."},{"href":"/ai-automation","label":"AI automation","detail":"AI built into real business workflows, with people in charge."}],"today":"2026-10-25"}