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Card Fee & Surcharge Calculator

Estimate processing fees, net receipts and the gross charge needed to recover a target net amount.

Browser-local calculations · No login · No financial values sent

Your inputs

01 / Enter

These are editable examples, not recommended rates. Enter your own numbers.

Calculator inputs

The charge on which to estimate the fee and net receipt.

Illustrative percentage of the entire charge; must be below 100%.

Added once to the percentage fee. Blank means zero.

Blank uses the transaction amount as the desired net. Enter zero explicitly if needed.

Your result

02 / Understand

Loading the example calculation…

Show the math

Estimates use unrounded numbers. Displayed amounts round to cents.

What this means

The processor takes a percentage of the full charge plus any fixed fee. Recovery increases the charge, which also increases the percentage fee.

Worked example

On $100 at an illustrative 2.9% + $0.30, the fee is $3.20 and net is $96.80. To target $100 net, the modeled gross charge rounds upward to $103.30.

How the math works

Fee = amount × rate/100 + fixed fee. Net = amount − fee. Required gross = (target net + fixed fee)/(1 − rate/100), rounded upward to a cent.

About this estimate

One transaction, one constant rate and one fixed fee. No currency conversion, tax, refund or additional processor charge. Real processor rounding may differ. Processor rules, card-network rules and applicable law govern surcharges; this is calculation math, not permission.

Reference conventions

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Formula v1.0.0 · Reviewed · Tool ID: card-fee-surcharge