Skip to content

What are payment fees costing me?

Enter your numbers below. Get the answer first, then Koala's next move.

View
Result detail level
Numbers to enter
Enter processed card volume and transaction count from the same period, then the rates that actually apply to your processor account. No provider or country rate is assumed.

Total processed in the period — what the percentage fee applies to.

Paid transaction count that belongs to the processed volume above.

For example, enter 2.9 for a 2.9% charge on processed volume.

Koala's Calculated Result
Exact processor cost from the volume, count and rates entered.

Enter the numbers you know

The detailed explanation will appear here once the calculator has a result.

Add processed volume and/or transaction count, then the rates that apply.

Koala's Professional Opinion

Give Koala your numbers first

The decision and next steps will appear here.

Save this result

PDF or image, ready to keep or share.

Next calculator →

Definition and method

What this calculator answers

See what card and payment-processing fees take from a matched sales and transaction cohort and what that works out to per transaction.

Percentage and fixed fee legs

Apply the entered percentage fee to payment volume and the fixed fee to the matched transaction count. Both inputs must describe the same payment cohort and period.

Worked example: your figures

The interactive result above is the worked example. Change any input and the same deterministic engine recomputes the answer; this page does not insert a generic example business or silently treat example values as a benchmark.

  • No market benchmark or outcome is silently inserted by this page.

What should I check next?

Frequently asked questions

What is the payment processor fee?

Payment pricing can include percentage, fixed, cross-border, currency-conversion or other charges depending on provider and transaction type. Enter the fee components that actually apply to the payment cohort being modelled rather than using a generic processor rate.

Payment Fee Cost

Why enter my own rate instead of trusting a default?

Processor rates change with volume, industry risk code and country. A small business on the standard tier pays more than an enterprise volume discount — entering your actual rate matches the math to your statement.

Payment Fee Cost

Should I include chargebacks?

Chargebacks are a separate line item — they are dispute fees plus refunds. The per-transaction fee is the steady-state number; chargebacks should be tracked separately as a share of monthly transactions.

Payment Fee Cost

When is the processor fee a problem?

When the fee rises above ~3% of volume, the per-transaction cost is large enough to look for a different tier or a different processor. Above 5% the fee is genuinely squeezing margin — fix it before chasing more sales.

Payment Fee Cost

Educational use, not financial advice. Numbers are estimates for planning; consult a qualified professional before acting on them.