Calculator Inputs
Use presets, then fine-tune percentage and fixed values for your own checkout setup.
Example data table
This sample table shows how different pricing presets can change net payout and effective cost.
| Scenario | Type | Currency | Amount | Total Fee | Net |
|---|---|---|---|---|---|
| Domestic standard store order | PayPal Checkout | USD | $100.00 | $3.98 | $96.02 |
| Cross-border checkout order | PayPal Checkout | USD | $100.00 | $5.48 | $94.52 |
| Domestic QR sale | QR Code Transaction | USD | $25.00 | $0.66 | $24.34 |
| Small digital purchase | Micropayment | USD | $4.00 | $0.29 | $3.71 |
Formula used
For a known gross amount: Fee = (Gross × Base Rate) + (Gross × International Rate) + (Gross × Conversion Rate) + Fixed Fee + Extra Fixed Fee.
Net amount: Net = Gross − Fee.
For a target net amount: Required Gross = (Target Net + Total Fixed Fee) ÷ (1 − Total Percentage Rate).
Batch totals: Multiply per-transaction gross, fee, and net by the quantity field.
How to use this calculator
- Select a calculation mode based on whether you know the gross sale or the net payout you want to keep.
- Pick the closest transaction type, then choose the currency that matches the received payment.
- Enter the amount per transaction and the number of similar transactions you want to estimate.
- Review the preset percentage and fixed fee values, then adjust them if your account has custom pricing.
- Enable the international toggle for cross-border transactions and add any conversion spread if currency exchange applies.
- Click the button to view batch gross, fee, net, and effective rate above the form.
- Use the export buttons to save the calculation as a CSV file or PDF summary.
Frequently asked questions
1. Does this calculator use fixed official fee values?
It starts with current preset values for several common U.S. payment models and supported currencies. You can edit every fee field before calculating when your contract or region differs.
2. Why does the fixed fee change by currency?
Many payment products use a percentage plus a currency-based fixed charge. The flat amount differs by the currency received, so the calculator updates the preset when you switch currencies.
3. When should I use the target net mode?
Use it when you know what you want to keep after fees. The calculator works backward to estimate the gross sale amount you would need to request.
4. What does the international surcharge mean?
It represents the extra percentage sometimes applied when the buyer is outside your domestic market. Keep it off for local payments and enable it for cross-border estimates.
5. What is the conversion spread field for?
Use that field when the transaction involves currency conversion. It lets you model extra exchange-related cost without changing the base merchant rate or flat charge.
6. Can I estimate many transactions at once?
Yes. The quantity input multiplies the per-transaction fee, gross, and net values. It is best for batches where each transaction amount is the same.
7. Why might my real statement differ?
Actual charges can vary by country, product eligibility, negotiated pricing, dispute events, refunds, or changing fee tables. Treat results as an estimate unless you confirm your exact contract terms.
8. Do the export buttons save the latest result only?
Yes. CSV and PDF exports use the visible result summary currently shown above the form. Run a new calculation first if you want updated values.