Free tool
Payment processor fee calculator
What each processor takes from an invoice.
Your result is an estimate based on the answers you enter. It is not filed or stored anywhere.
Method
How this calculator works
Card processing fees look similar until you multiply by a year of invoices. On a $2,000 invoice the spread between a 2.9% + 30¢ card charge and a capped ACH transfer is real money — repeated monthly, it's a software subscription's worth of margin.
This tool applies each method's current published rate (all rates are editable fields, so the tool never goes stale) to your invoice amount and annualizes the difference at your invoice volume. The consistent conclusion for large B2B invoices: push clients toward ACH.
Estimates, not advice
Every figure this tool produces is a planning estimate built from the numbers you enter and simplified assumptions documented above. It is educational content, not individualized financial, legal, or tax advice. Rates, limits, and thresholds change — annual constants are reviewed each January, and you should confirm anything decision-critical against primary sources or a professional.
Questions
FAQ
Are the default rates exact?
They reflect standard published pricing at last review, but processors change rates and offer volume pricing — edit the rate fields to match your actual plan.
Can I pass fees to clients?
Card surcharging is legal in most states with disclosure rules, and prohibited in a few. Building fees into your rate is simpler and always allowed.
Why is ACH so much cheaper?
Bank-to-bank transfers skip the card networks' interchange fees. Slower settlement is the trade — usually irrelevant for invoicing.