Track percentage fees, fixed charges, refunds, and disputes. See order and monthly processing impact clearly. Choose pricing strategies using transparent fee breakdowns and margins.
| Metric | Sample Value | Explanation |
|---|---|---|
| Monthly Orders | 1,200 | Total completed checkout attempts processed during the month. |
| Average Order Value | $58.00 | Average payment amount captured per order. |
| Processor Fee | 2.9% + $0.30 | Blended variable and fixed payment fee structure. |
| International Share | 22% | Portion of orders attracting international surcharge pricing. |
| Refund Rate | 4.5% | Orders refunded during the month. |
| Chargeback Rate | 0.8% | Orders disputed and charged back. |
| Total Processing Cost | $2,925.66 | Estimated full monthly payment cost using the sample values. |
| Effective Cost Rate | 4.20% | Total payment cost as a share of gross revenue. |
Gross Revenue = Monthly Orders × Average Order Value
Variable Fees = Gross Revenue × Percentage Fee
Fixed Transaction Fees = Monthly Orders × Fixed Fee Per Transaction
International Fees = (Gross Revenue × International Share) × International Surcharge
Refund Fees = Refund Count × Retained Fee Per Refund
Chargeback Fees = Chargeback Count × Chargeback Fee
Payout Fees = Monthly Payout Count × Payout Fee Each
Subtotal Fees = Variable Fees + Fixed Fees + International Fees + Refund Fees + Chargeback Fees + Payout Fees + Monthly Fixed Costs
Total Processing Cost = Subtotal Fees + Tax on Fees
Effective Cost Rate = (Total Processing Cost ÷ Gross Revenue) × 100
Enter your monthly order volume and average order value first. These two inputs establish the transaction base used in every fee calculation.
Add your processor’s percentage fee and fixed per-transaction fee. Include international surcharge pricing when cross-border orders cost more.
Estimate refunds, chargebacks, gateway fees, payout fees, taxes, and any extra payment-related tools. Then click Calculate Cost.
Review the summary cards above the form to see total payment cost, effective rate, cost per order, and remaining revenue after refunds and processing charges.
Use the CSV and PDF buttons to save the current result for budget reviews, pricing discussions, or vendor comparisons.
It estimates your full monthly payment expense, including percentage fees, fixed fees, refunds, disputes, payout costs, taxes, and related monthly payment tools.
Yes. Refunds often reduce settled revenue and may still leave you with retained processor fees. Including them gives a more realistic cost picture.
The calculator applies a fee per disputed transaction using your chargeback rate. It shows dispute cost without assuming any additional merchandise loss.
Many processors charge extra for cross-border or foreign-card transactions. Separating international orders helps model blended fee structures more accurately.
It is total payment processing cost divided by gross revenue. This blended percentage helps compare providers and pricing plans more clearly.
Yes. Enter average monthly orders, recurring payment value, refunds, disputes, and all payment-related platform fees to estimate ongoing processing cost.
Include them when your payment provider adds VAT, GST, or similar tax on service fees. Excluding them can understate real costs.
It reveals how much revenue disappears into payment overhead. That insight supports margin planning, shipping thresholds, discount rules, and provider negotiations.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.