Monthly payment processing cost calculator
Small businesses often need a monthly or annual fee picture—not just the cost on a single $100 charge. Enter your card sales volume, how many transactions you run (or your average ticket), and any fixed monthly subscription. This tool projects processing fees using the same per-charge math as CardFeeCalc’s Stripe, Square, and PayPal US calculators, then ranks processors by total monthly cost.
Need one charge? Use the Stripe vs Square vs PayPal comparison. Marketplace sellers: try monthly volume mode on Etsy, eBay, and other marketplace calculators.
How the fee is calculated
Per transaction: fee = round(ticket × percent + fixed fee) (same as each processor page). Monthly: sum fees across your transaction count at the average ticket implied by volume ÷ transactions. Fixed per-transaction fees matter more when average tickets are small—monthly volume mode captures that.
FAQ
- How is monthly processing cost calculated on CardFeeCalc?
- We apply the same published percent-plus-fixed rate as each processor’s per-transaction calculator to your average ticket (monthly volume ÷ transaction count), multiply by the number of transactions, and round to cents. Optional monthly subscription fees are added to monthly and annual totals but are not taken from sales volume.
- Why does transaction count matter if I already entered monthly volume?
- Processors charge a fixed fee on every successful card charge—not just a percent of volume. Two businesses with $10,000 in sales pay very different totals if one runs 50 large tickets vs. 500 small ones. Entering transaction count (or average ticket) models those fixed fees.
- Which rates does this monthly calculator use?
- US Stripe online (2.9% + $0.30), Square Free online/invoice (3.3% + $0.30) with optional in-person/keyed mix, and PayPal Checkout (3.49% + $0.49), checked October 6, 2026. Custom, international, and in-person Stripe/PayPal products are on each dedicated tool page.
- Can I share my monthly volume scenario?
- Yes. Monthly mode syncs volume, transactions, subscription, and Square mix to the URL query string (mode=monthly, vol, txns or avg, sub, mix_*). Copy the address bar to share or bookmark.
- Does net revenue include subscription fees?
- Net revenue on this page is card sales volume minus processing fees only—it does not subtract optional subscription inputs. Monthly total cost includes both processing and subscription when you enter a subscription.