Merchant Payment Processing Cost Comparison
Compare two entered processing schedules including sales fees, refunded fees and refund/chargeback handling.
YOUR CALCULATION
Result
—
Calculation steps
Work through one step at a time or reveal the complete calculation. The steps use your current inputs.
How to calculate
Charge commission on all original transactions, return the entered commission fraction on full refunds and add handling/fixed fees. Subtract refunds and chargebacks from gross sales separately.
Total fee=fixed+original commissions−returned refund commissions+refund fees+chargeback fees
Worked example
100 sales at 10 with 2% plus 0.1/transaction cost 30 before fixed/handling fees. Two full refunds returning 100% of original commissions credit 0.6, leaving 29.4.
Assumptions and input details
Counts are whole and refunds plus chargebacks cannot exceed sales. Every sale/refund/chargeback uses the same entered average amount. Refunds and chargebacks are disjoint; chargebacks do not return original commissions in this model. No processor catalogue, rolling reserve, FX, partial refund or tax assumption. No live market data or national tax rules are inferred. Enter consistent amounts in one currency unless explicitly stated otherwise.
Using this calculator
Can I enter my own problem?
Yes. Replace the example values with your own inputs. The result, calculation steps, tables and applicable diagrams update from those inputs. Blank or invalid values clear the result; example values are never silently substituted for missing inputs.
Are the results exact?
Results use floating-point arithmetic and displayed rounding. Read the formula, assumptions and any stated data precision before interpreting the result.
Is my input uploaded?
The calculation runs in your browser. No account, file upload or external AI service is required. Inputs are not saved between page reloads.
Calculate gross margin, price markup and contribution after entered selling fees. Reverse a target contribution margin to find the required selling price.
Compare two entered per-order commission schedules with minimums, caps and proportional spread costs.
Group dated inflows and outflows to show closing cash positions and gaps against an entered buffer.
Reserved advertising space.