Payment processing fee calculator
Enter a transaction amount and provider to see the fee, what you actually receive, and your effective rate.
What you keep
Typical standard EU card rates — actual rates depend on card type, region and your plan; confirm with the provider.
Indicative estimate based on published standard rates. Your real fees vary with card type, currency, region and your negotiated plan.
How payment processing fees work
Almost every EU payment provider charges the same way: a percentage of the transaction plus a small fixed amount per payment. On a €100 sale, a 1.5% + €0.25 rate means €1.75 leaves your payout — but the fixed part hurts far more on small transactions than on large ones.
This calculator uses each provider's typical standard EU card rate so you can compare payouts side by side. The effective rate shows the total fee as a single percentage, which is the honest number to compare — a low headline percentage with a high fixed fee can still be expensive on small baskets.
Published rates are a starting point, not a guarantee. Your real cost shifts with card type (consumer vs commercial), the customer's region, currency conversion, and any plan you have negotiated. Always confirm the exact schedule with your provider before you price your products.
Because the fixed per-transaction fee is included. On a €10 sale a €0.25 fixed fee alone is 2.5%, so small transactions always carry a higher effective rate than large ones.
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