Payment processing fee calculator with gross-up
This payment processing fee calculator shows what a card or online-wallet payment really costs you: the percentage fee, the fixed fee per payment, the extra for international cards, currency conversion and — in India — GST on the fee. Enter the payment and you see the fees, the effective rate and what lands in your account. Switch to What I want to receive and it works backwards, telling you exactly how much to invoice so that, after every fee, you are left with the amount you need.
Presets hold the standard published prices of common providers in the United States, the United Kingdom and India, each with the page it came from and the date it was read, so it also works as a PayPal fee calculator or a Stripe fee calculator — including international payments and USD to INR receipts. Every figure stays editable, because negotiated, volume and regional prices differ from the public ones.
How to use the Payment Processing Fee Calculator
- Pick a published rate, or choose Custom rates and type the numbers from your contract.
- Choose whether you know the payment or what you want to receive, and enter the amount.
- Tick International card or payer and Currency conversion needed if they apply.
- Read the fees, the effective rate and the gross-up; open “Show what you receive in another currency” to see the amount in rupees or any other currency.
- Compare the same payment across the other published rates for that country, then copy the summary.
Payment Processing Fee Calculator features
Fee and gross-up together
Every result shows both directions: what a payment leaves you, and what to charge to net a set amount.
Real fee structures
Percentage plus fixed fee, cross-border surcharge, conversion as a fee or as a spread, and tax on the fee.
Dated presets
US, UK and India standard prices with their source page and the date read — labelled “check your contract”.
Currency view
Type your provider’s rate or fetch today’s mid-market rate to see the net in INR, GBP, EUR and more.
Side-by-side comparison
The same payment at each published rate for that country, with your choice highlighted.
Payment fee and gross-up formulas
Fee = payment × percentage + fixed fee (+ cross-border % and conversion % when they apply) + tax on the fee. At 2.9% + $0.30, a $100 payment costs $3.20 and leaves $96.80 — an effective 3.2%, because the fixed fee weighs more on small payments.
Gross-up: to receive a net amount N, charge (N + fixed fee) ÷ (1 − percentage). To keep $100 at 2.9% + $0.30 you invoice (100 + 0.30) ÷ 0.971 = $103.30. Simply adding 3.2% ($103.20) leaves you short, because the fee is also charged on the extra you added.
With tax on the fee (India: 18% GST on a 2% gateway fee), the fee on ₹1,000 is ₹20 + ₹3.60 = ₹23.60, and the gross-up divides by 1 − (2% × 1.18). When a provider converts currency at a spread, the spread comes off the amount converted after fees, so the calculator grosses that up first.
Published rates used (read on the providers’ pages)
Read on 24 October 2026 (PayPal US and UK pages last updated 1 October 2026; PayPal India 28 March 2024; Stripe US from its 20 October 2026 page copy). Prices change without notice — your dashboard or contract is the final word. GST on the Stripe India preset is set at 18% as on other Indian gateway invoices; check yours.
| Preset | Standard rate | Extras |
|---|---|---|
| Stripe US, domestic card | 2.9% + 30¢ | +1.5% international card, +1% conversion; manually entered cards +0.5% |
| PayPal US, PayPal Checkout / card | 3.49% / 2.99% + $0.49 | +1.50% international; conversion spread 3% |
| Stripe UK | 1.5% + 20p standard UK card | premium UK 2.8%, EEA 2.5%, international 3.15% (+20p); +2% conversion |
| PayPal UK | 2.9% + 30p | +1.29% EEA payer, +1.99% other countries; conversion spread 3% |
| Stripe India | 2% Indian cards, 3% cards issued abroad | +2% conversion |
| Razorpay standard | 2% (cards, UPI, netbanking, wallets) | 18% GST on the fee; international cards up to 3% |
| PayPal India | 4.4% + $0.30 on international payments | conversion spread 3% |
Passing fees on to customers
Adding a fee for card payments is not always allowed. In the UK, surcharges on consumer credit and debit cards and on wallets have been banned since 13 January 2018 (commercial cards excepted), so build the cost into your price instead. In the US, card network rules cap surcharges and some states restrict them; in India, check your gateway terms. For freelancers, a cleaner option is to quote a price that already includes the gross-up — see the freelance rate calculator — and to send a clear invoice with the invoice generator. Selling through a marketplace? Use the marketplace fee calculator, which adds listing and commission fees.
Payment Processing Fee Calculator FAQ
How do I calculate a PayPal or card processing fee?
Multiply the payment by the percentage, add the fixed fee, then add any international or conversion percentage. On $100 at 3.49% + $0.49 that is $3.98. The payment processing fee calculator does this for you and shows what you receive.
How much should I charge to cover the fees?
Use the gross-up: (amount you want + fixed fee) ÷ (1 − percentage). At 2.9% + $0.30, charge $103.30 to receive $100.
How are international PayPal payments to India calculated?
PayPal’s India page lists 4.4% + $0.30 for international commercial payments, and a 3% spread when the dollars are converted to rupees. Choose the PayPal India preset, tick currency conversion and enter the exchange rate to see the rupee amount.
Is GST charged on payment gateway fees in India?
Yes — gateways add GST (18%) to their fee, so the real cost of a 2% fee is 2.36% of the payment. Enter the tax rate in “Tax on the fee”.
Why is my effective rate higher than the advertised percentage?
The fixed fee is the same on every payment, so on small amounts it adds a lot. $0.30 on a $10 payment is an extra 3%.
Are these the fees I will pay?
They are the standard published prices on the date shown. Negotiated, high-volume and promotional prices, premium cards, refunds and disputes change the cost — check your contract. This is an estimate, not financial advice, and the calculation runs entirely in your browser.