How this calculator works
01
Choose a reviewed provider reference or enter a completely custom fee schedule.
02
One-time costs and monthly costs are separated before an effective fee rate is calculated.
03
Provider references are versioned and link to the provider’s own fee disclosure.
Formula
The calculation
Per-transaction cost = percentage fee + fixed fee + network + conversion + settlement + allocated monthly feeExample
A concrete scenario
On a $1,000 payment, a 1% provider fee, $0.25 fixed fee, and $0.20 network cost total $10.45 before optional conversion or settlement costs.
Sources used
Coinbase Developer PlatformCommerce transaction feeBitPayTiered processing feeNOWPaymentsService and network fee explanation
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What this estimate cannot guarantee
- Provider pricing can vary by region, volume, settlement asset, and negotiated plan.
- Network fees, spreads, and conversion costs may be charged to the buyer rather than the merchant.
- Tax, accounting, compliance, and integration costs are not included.