Free payment tools and calculators
Every tool here runs in your browser, needs no email address, and shows the rates it used and the date they were checked. They are built for US merchants, in dollars, against the fee schedules processors actually publish. Ten of them price a named processor off its own published card; the rest price the things that do not appear on a rate card at all, from interchange downgrades and chargebacks to what a refund really costs you.
Most used
Stripe Fee CalculatorStripe's real US cost per payment, with the keyed, international and FX add-ons stacked.Open calculatorPayPal Fee CalculatorUS seller fees across all ten PayPal channels, priced on the one you actually used.Open calculatorSquare Fee CalculatorCurrent 2026 Square rates across Free, Plus and Premium, and where the plan pays for itself.Open calculatorProcessing Fee CalculatorWhat a quoted rate really costs per month, monthly fees and channel mix included.Open calculatorShopify Payments Fee CalculatorShopify plan fee, Shopify Payments card rate and the third-party gateway fee, stacked the way Shopify bills them.Open calculatorVenmo, Cash App and Zelle Business Fee CalculatorWhat Venmo, Cash App and Zelle really cost a US business, with the recourse each one does or does not give.Open calculatorInterchange Fee Lookup196 published US interchange programs from the April 2026 Visa and Mastercard rate sheets, priced on your ticket.Open calculatorTrue Cost of a Chargeback CalculatorThe full multiple of order value, whether representment pays, and the extra sales at your margin a year of chargebacks costs.Open calculatorProcessing Savings CalculatorSplit your statement into pass through and markup, then price six fixes in annual dollars, including the honest answer that you are already well priced.Open calculatorBusiness Loan Amortization CalculatorPayment, full schedule and the real APR once origination and SBA guaranty fees come out of the wire.Open calculator
Popular
Effective Rate CalculatorYour real rate from your own statement, split into pass-through cost and negotiable markup.Open calculatorInterchange-Plus vs Flat-Rate CalculatorThe break-even volume where interchange-plus overtakes flat-rate. It can also say stay put.Open calculatorACH vs Card Fee CalculatorWhat an invoice costs by ACH against a card, with the fee cap modelled properly.Open calculatorMerchant Cash Advance CalculatorTurn a factor rate and holdback into a real APR, total cost and estimated payoff date.Open calculatorMerchant Category Code LookupSearch 290 verified US merchant category codes, with high-risk flags.Open calculatorRestaurant Card Fee CalculatorRestaurant card fees including the cost of processing tips, cost per cover and effective rate.Open calculatorCredit Card Surcharge CalculatorSee your surcharge, customer total, net deposit and the residual you still absorb.Open calculatorClover Fee CalculatorClover processing fees across all five published US software plans, and the volume where a Growth plan pays for itself.Open calculatorToast Fee CalculatorToast's two published card rates, priced on gross card volume with the tips included.Open calculatorHelcim Fee CalculatorHelcim's real interchange-plus cost on your own card mix, with the whole volume tier ladder priced out.Open calculatorBraintree Fee CalculatorPrice a Braintree sale by payment method: cards, the PayPal wallet, Venmo, ACH and the two 1% add-ons.Open calculatorAuthorize.Net Fee CalculatorBoth Authorize.Net plans priced side by side, with the daily batch fee annualized.Open calculatorInterchange Downgrade Cost CalculatorWhat each downgrade cause costs you a year, priced off two published rate sheet rows, ranked worst first.Open calculatorRefund Cost CalculatorWhat refunded orders cost in fees nobody gives back, and the effective rate your return rate really produces.Open calculatorCross-Border and FX Markup CalculatorSeparate the network cross border fee, the processor add-on and the FX markup buried in your exchange rate.Open calculatorJunk Fee AnnualizerAdd up the fixed fees on your merchant statement, see them as basis points, and rank what comes off first.Open calculatorPCI SAQ Level FinderThe likely SAQ for your payment channel and your merchant level, kept apart, against PCI DSS v4.0.1.Open calculatorBNPL Merchant Cost CalculatorPublished US BNPL rates, and the extra orders BNPL has to create before it pays for its own fee.Open calculatorHigh-Risk Account True Cost CalculatorTotal what a high risk account costs a year, including the reserve carry, against what the same business would pay on standard terms.Open calculatorInvoice Factoring Rate to APR CalculatorTurn a factoring discount rate into a real APR on the cash actually advanced, plus the ancillary fees.Open calculatorCash Conversion Cycle and DSO CalculatorDSO, DIO, DPO and the cash conversion cycle on both conventions, plus a countback DSO and what each day is worth in cash.Open calculatorBreak-Even and Margin Markup CalculatorMargin against markup, break-even units and revenue, and the price for a target margin, all with the card fee counted as a variable cost.Open calculator
More tools
Reverse Fee CalculatorFind the gross amount to charge so an exact net amount lands in your bank account.Open calculatorChargeback Ratio and Cost CalculatorScore your ratio against current Visa and Mastercard thresholds, then price one chargeback.Open calculatorRolling Reserve CalculatorSee how much working capital a rolling reserve locks up, and when the first release lands.Open calculatorPayout Date CalculatorResolves your processor's payout rule to a real calendar date, weekends and Fed holidays included.Open calculatorInvoluntary Churn CalculatorSize the revenue lost to failed subscription payments, separated from voluntary churn.Open calculatorPOS Terminal Lease CalculatorSee what a quoted terminal lease really costs against buying the device outright.Open calculatorCompound Interest CalculatorProject a balance with contributions and any compounding frequency, and see what compounding is worth over simple interest.Open calculatorSimple Interest CalculatorSimple interest on any term, with the Actual/360 day count and the effective rate it really charges.Open calculatorAdyen Fee CalculatorSplits an Adyen interchange++ payment into interchange, scheme fees and Adyen's own take.Open calculatorFalse Decline Cost CalculatorWhat wrongly declined good customers cost, netted against the fraud your rules caught, plus the dollar value of one approval point.Open calculatorAPR vs APY ConverterConvert APR to APY and back across nine compounding schedules, with the dollar gap on your own balance.Open calculatorEarly Payment Discount to APR Calculator2/10 net 30 as an annual rate, nominal and compounded, from both the buyer's side and the seller's.Open calculator
How these calculators work
Every calculator runs entirely in your browser. Nothing you type is uploaded, stored or sent anywhere, and none of them asks for an email address before showing you the answer. That is deliberate: the free statement-analysis services you will find elsewhere all require a PDF of your financials and a phone number, handed to a company that sells payment processing, before they will tell you whether you are overpaying.
The brand calculators use each processor’s own published US rate card, and every tool shows the date those rates were last checked. That matters more than it sounds: several of the calculators currently ranking for these searches still compute Square’s pre-2026 in-person rate, and one carries a PayPal rate inside a Square calculator. A wrong number looks exactly like a right one, so we show our sources and our dates.
Where a figure genuinely cannot be known precisely, such as interchange, the tools show a range and say so rather than inventing a number. Interchange depends on card type, merchant category and how the payment was taken, and the card networks publish it as rate tables rather than a feed.