# Payment fee calculator

> Free payment fee calculator. See what your payment gateway costs each month, your effective fee rate, and what moving marketplace sales to your site saves.

Free, no sign-up, runs in the browser: https://analify-ai.scalyax.ai/tools/payment-fee-calculator

See what your payment gateway takes each month, the rate you really pay once fixed fees are added, and what moving sales off a marketplace would save.

## What it calculates

Most gateways charge a percentage of each payment plus a fixed fee per order. The fixed part hurts small orders most, so the rate you really pay is higher than the advertised one. The second half compares marketplace commission with running the same sales through your own site.

## Formula

```
Gateway fees = Revenue × rate + Orders × fixed fee
Tax on fees = Gateway fees × tax rate
Effective rate = (Fees + tax) ÷ Revenue
Moved sales = Marketplace sales × 12 × share moved
Yearly saving = Moved × commission − Moved × gateway rate − site cost
```

## Worked example

Inputs:
- Online revenue per month: USD 40,000
- Orders per month: 700
- Gateway rate: 2.9%
- Fixed fee per order: USD 0.30
- Tax on fees: 0%
- Marketplace sales per month: USD 15,000
- Marketplace commission: 15%
- Share moved to your site: 40%
- Your site cost per year: USD 3,000

Results:
- Gateway cost per month: USD 1,370
- Effective fee rate: 3.4%
- Tax on fees: USD 0
- Commission saved per year: USD 10,800
- Yearly saving from moving sales: USD 5,712

## What changes the result

Orders per month at five values; every other input as in the example.

| Orders per month | Gateway cost per month | Effective fee rate |
| --- | --- | --- |
| 350 | USD 1,265 | 3.2% |
| 525 | USD 1,318 | 3.3% |
| 700 (example) | USD 1,370 | 3.4% |
| 875 | USD 1,423 | 3.6% |
| 1050 | USD 1,475 | 3.7% |

## How to read the result

If the effective rate is well above the advertised rate, your average order is small. Bundles or a free-shipping threshold raise it.
The marketplace saving assumes the moved customers buy the same amount on your site. They may need ads to get there, so compare the saving with that cost.

## Questions

**How are payment gateway fees calculated?**
Usually a percentage of each payment plus a fixed amount per transaction. Some countries add tax on the fee itself.

**Why is my effective fee rate higher than the advertised rate?**
The fixed fee per order is a bigger share of small orders. Divide total fees by total revenue to see the rate you really pay.

**Is selling on my own site cheaper than a marketplace?**
Per order, usually yes, because gateway fees are lower than marketplace commission. But you pay for your own traffic, so compare the saving with your ad cost.

**Do you store what I enter?**
No. The calculation runs in your browser and nothing is sent to Analify.

## Use your real numbers

Analify reads revenue and order counts from Shopify and costs you record in Finance, and keeps fees in the same view as ad spend, shipping and Blended Profit. Analify reads 3 of these 9 inputs live. Try the calculator: https://analify-ai.scalyax.ai/tools/payment-fee-calculator

More free ecommerce calculators: https://analify-ai.scalyax.ai/tools