Free calculator
Credit card processing fee calculator
Fee
$3.20
You receive
$96.80
Effective rate
3.2%
Same payment with Anytime Capital Payments · 2.75% + 30¢
Fee $3.05, you receive $96.95· $0.15 less than Stripe
First 90 days at 2.5% + 30¢: $2.80 fee Claim the launch offer
Fee on $100.00 at every rate
- Stripe · 2.9% + 30¢$3.20
- Square (Free plan) · 3.3% + 30¢$3.60
- PayPal Checkout · 3.49% + 49¢$3.98
- Braintree · 2.89% + 29¢$3.18
- Shopify Payments (Basic plan) · 2.9% + 30¢$3.20
- Authorize.net (All-in-One plan) · 2.9% + 30¢$3.20
- Chase Payment Solutions (E-commerce gateway) · 2.9% + 25¢$3.15
- QuickBooks Payments (Invoices and online) · 2.99%$2.99
- Wave (Visa, Mastercard, Discover) · 2.9% + 60¢$3.50
- Paddle · 5% + 50¢$5.50
- Lemon Squeezy (US one-time card sales) · 5% + 50¢$5.50
- Anytime Capital · 2.75% + 30¢$3.05
Enter a sale to see what it costs at the published US online rates of Stripe, Square, PayPal, Braintree and Shopify Payments, or at your own processor's rate. Switch to “What to charge” to work out the price that leaves you a set amount after fees. Anytime Capital Payments's 2.75% + 30¢ is shown beside every result.
- The fee on a sale, or what to charge to receive an amount
- Five processors' published rates, or your own
- Beside the same payment at 2.75% + 30¢
Updated October 2026. Published US rates; where a figure is not published, the calculator leaves it out rather than guess.
Quick answer
How are credit card processing fees calculated?
Most processors charge a percentage of each payment plus a fixed fee: fee = amount × rate + fixed fee. At Stripe's published 2.9% + 30¢, a $100 sale costs $3.20; at Square's Free-plan 3.3% + 30¢, $3.60; at PayPal Checkout's 3.49% + 49¢, $3.98. Published US online rates run from 2.89% to 5% plus 0¢ to 60¢ (October 2026). Anytime Capital Payments charges 2.75% + 30¢: $3.05.
Common amounts
Card processing fees on common amounts
| Sale | Stripe | Square (Free plan) | PayPal Checkout | Braintree | Shopify Payments (Basic plan) | Authorize.net (All-in-One plan) | Chase Payment Solutions (E-commerce gateway) | QuickBooks Payments (Invoices and online) | Wave (Visa, Mastercard, Discover) | Paddle | Lemon Squeezy (US one-time card sales) | Anytime Capital fee |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $10 | $0.59 | $0.63 | $0.84 | $0.58 | $0.59 | $0.59 | $0.54 | $0.30 | $0.89 | $1.00 | $1.00 | $0.58 |
| $25 | $1.03 | $1.13 | $1.36 | $1.01 | $1.03 | $1.03 | $0.98 | $0.75 | $1.33 | $1.75 | $1.75 | $0.99 |
| $50 | $1.75 | $1.95 | $2.24 | $1.74 | $1.75 | $1.75 | $1.70 | $1.50 | $2.05 | $3.00 | $3.00 | $1.68 |
| $100 | $3.20 | $3.60 | $3.98 | $3.18 | $3.20 | $3.20 | $3.15 | $2.99 | $3.50 | $5.50 | $5.50 | $3.05 |
| $250 | $7.55 | $8.55 | $9.22 | $7.52 | $7.55 | $7.55 | $7.50 | $7.48 | $7.85 | $13.00 | $13.00 | $7.18 |
| $500 | $14.80 | $16.80 | $17.94 | $14.74 | $14.80 | $14.80 | $14.75 | $14.95 | $15.10 | $25.50 | $25.50 | $14.05 |
| $1,000 | $29.30 | $33.30 | $35.39 | $29.19 | $29.30 | $29.30 | $29.25 | $29.90 | $29.60 | $50.50 | $50.50 | $27.80 |
| $5,000 | $145.30 | $165.30 | $174.99 | $144.79 | $145.30 | $145.30 | $145.25 | $149.50 | $145.60 | $250.50 | $250.50 | $137.80 |
Published US online rates as of October 2026. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 90 days with the launch offer. Each fee rounded to the cent.
Work backwards
What to charge to receive an exact amount
| To receive | Stripe | Square (Free plan) | PayPal Checkout | Braintree | Shopify Payments (Basic plan) | Authorize.net (All-in-One plan) | Chase Payment Solutions (E-commerce gateway) | QuickBooks Payments (Invoices and online) | Wave (Visa, Mastercard, Discover) | Paddle | Lemon Squeezy (US one-time card sales) | Charge on Anytime Capital |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $25 | $26.06 | $26.16 | $26.41 | $26.04 | $26.06 | $26.06 | $26.00 | $25.77 | $26.36 | $26.84 | $26.84 | $26.02 |
| $100 | $103.30 | $103.72 | $104.12 | $103.27 | $103.30 | $103.30 | $103.24 | $103.08 | $103.60 | $105.79 | $105.79 | $103.14 |
| $500 | $515.24 | $517.37 | $518.59 | $515.18 | $515.24 | $515.24 | $515.19 | $515.41 | $515.55 | $526.84 | $526.84 | $514.45 |
| $1,000 | $1,030.17 | $1,034.44 | $1,036.67 | $1,030.06 | $1,030.17 | $1,030.17 | $1,030.12 | $1,030.82 | $1,030.48 | $1,053.16 | $1,053.16 | $1,028.59 |
| $5,000 | $5,149.64 | $5,170.94 | $5,181.32 | $5,149.10 | $5,149.64 | $5,149.64 | $5,149.59 | $5,154.11 | $5,149.95 | $5,263.68 | $5,263.68 | $5,141.70 |
The smallest charge, to the cent, that leaves at least the target after the fee: (target + fixed fee) ÷ (1 − percentage), rounded up.
What goes into a card processing fee
Three parties are paid out of every card payment. Interchange goes to the bank that issued the customer's card and is usually the largest part; it varies by card type (debit, credit, rewards, business), by how the card is taken (in person or online) and by the merchant's industry. Network assessments go to the card network, such as Visa or Mastercard. The processor's markup is what's left, and the only part that varies by processor.
Flat-rate pricing, which is what Stripe, Square, PayPal, Shopify and Anytime Capital publish, bundles all three into one percentage and fixed fee, so the same sale costs the same whichever card the customer uses. The processor carries the difference between cheap and expensive cards.
Flat rate or interchange-plus?
Interchange-plus pricing passes interchange and assessments through at cost and adds a fixed markup. Helcim, for example, publishes interchange + 0.50% + 25¢ for online payments and cites a US average of about 2.29% + 25¢, which is $2.54 on $100 by its own figure. Your actual cost depends on your mix of cards: more debit cards pull it down, more rewards and business cards push it up.
Flat rate is predictable and simple to reconcile; interchange-plus is usually cheaper on average and harder to forecast. Many processors, Anytime Capital included, offer custom pricing to businesses processing $1M+ a year. Below that, the published flat rates on this page are what most small businesses pay.
Estimating a month of fees
A month's fees are your card volume times the percentage, plus the number of payments times the fixed fee. A business taking $20,000 a month in $80 sales makes 250 payments: at Stripe's 2.9% + 30¢ that is $655.00, at Square Free's 3.3% + 30¢ $735.00, at PayPal Checkout's 3.49% + 49¢ $820.50, and at 2.75% + 30¢ $625.00.
Add any monthly plan you pay to reach a rate (Square Plus, a Shopify plan) and the extras you use, such as instant payouts, international cards and disputes, for the all-in figure.
When a lower percentage costs more
The fixed fee decides small sales. Braintree's 2.89% + 29¢ has a higher percentage than 2.75% + 30¢ but a smaller fixed fee, so it is cheaper below about $7 a sale and dearer above it. PayPal Checkout's 49¢ fixed fee makes a $5 payment cost $0.66, 13.2% of the sale. Run your own typical sale sizes through the calculator rather than comparing headline percentages.
Passing fees on to customers
The calculator's “What to charge” mode grosses a price up so you net a set amount, which is how many businesses build card costs into what they charge.
Grossing up a price is different from adding a separate card surcharge. Surcharges are restricted by card-network rules and some state laws: they are capped, must be disclosed before payment and are not allowed on debit cards. Building the fee into your price, or invoicing large amounts by bank payment, avoids the question. This is general information, not legal advice.
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 days
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.
- 2.75% + 30¢ online, 2.5% + 30¢ for 90 days
- No monthly, setup or PCI fees
- Payouts to your bank, instant where eligible
- Live US business team
Payment processing
A complete payments stack, from your website to your bank account
Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.
Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.
3D Secure and risk rules, in the dashboard
<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ" data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.
The real product
Invoices, checkouts and receipts your customers actually see
Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.
Salons & spasThe receipt, with the tip and the salon's own thank-you messagePayments for salons & spas
Gyms & fitness studiosA membership plan's checkout, with its free trialPayments for gyms & fitness studios
Property managementA rent invoice, with rent and parking as separate linesPayments for property management
NonprofitsA donation link: donors choose the amountPayments for nonprofits
Home servicesA quote the customer accepts onlinePayments for home services
Photographers & videographersA quote, accepted online by the clientPayments for photographers & videographers
Tutors & lesson teachersAn invoice to a parent for the month's sessionsPayments for tutors & lesson teachers
Childcare & daycareA family's monthly tuition invoice, with a sibling discountPayments for childcare & daycare
Pet care & groomingThe receipt, with the tip, the pet's name and your thank-you messagePayments for pet care & grooming
Auto repairThe estimate, sent as a quote the customer approves onlinePayments for auto repair
Anytime Capital product views, demo data.
One platform
Everything a business banks on, in one account
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
Operating accountAvailable
$482,310.55
- Account
- •••• 4821
- Routing
- •••• 0371
- Receive by
- ACH · Wire · RTP · FedNow
Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending
Receive by ACH, wire, RTP and FedNow in your business's own name
Pay suppliers and contractors in 71 countries over the rail their bank already uses
SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else
Card sales land in the same balance the minute they settle
Docs and API
Integrate in an afternoon, or let your AI agent do it
A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.
- MCP server
- https://anytime-capital.com/api/mcp
- Docs as one file
- /docs/llms-full.txt
curl -X POST https://anytime-capital.com/api/v1/payment-links \
-H "Authorization: Bearer $ANYTIME_API_KEY" \
-H "Idempotency-Key: order-1042" \
-H "Content-Type: application/json" \
-d '{
"title": "Consulting — October",
"amountCents": 12500,
"singleUse": true,
"metadata": { "orderId": "1042" }
}'- QuickstartGo from a new business account to your first paid payment link with the Anytime Capital Payments API: create a key, create a link, verify a webhook.Read
- Payment linksCreate, update and deactivate hosted payment links with the Anytime Capital Payments API: one per order or reusable, with metadata, and prefilled checkout.Read
- Checkout & websiteTake payments with hosted payment links, a Pay button or inline checkout on your website, your own checkout domain and your logo and brand colour.Read
- InvoicesCreate, list and send invoices with the Anytime Capital Payments API: line items, discount, tax and deposits, emailed in your branding and paid by card.Read
- WebhooksGet Anytime Capital Payments events by webhook: payments, refunds, disputes, invoices and subscriptions, signed with HMAC-SHA256 and retried for 24 hours.Read
- Fraud rules & 3D SecureProtect your Anytime Capital payments: block card countries, require 3D Secure above an amount, cap payment size, block high-risk scores and auto-refund alerts.Read
- Payout optionsWithdraw your Anytime Capital balance to your bank, standard or instant where eligible. Local rails in 71+ countries.Read
- AI agents hubConnect Claude, Cursor, VS Code and your own agents to Anytime Capital Payments through the MCP server, give them the docs as Markdown, and keep them safe.Read
MCP connection
Let your AI agent run payments, with a key you can revoke
Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.
- ClaudeClaude Code & Desktop
- CursorMCP server
- GitHub CopilotMCP in VS Code
- GeminiMCP in Gemini CLI
- OpenAIMCP in the Agents SDK
- WindsurfMCP server
48 tools
- list_payments
- get_payment
- list_payment_links
- create_payment_link
- get_payment_link
- update_payment_link
- deactivate_payment_link
- list_invoices
- create_invoice
- get_invoice
- send_invoice
- list_customers
- create_customer
- get_customer
- update_customer
- list_refunds
- get_refund
- create_refund
- list_products
- create_product
- get_product
- update_product
- archive_product
- list_subscription_plans
- create_subscription_plan
- get_subscription_plan
- list_subscriptions
- get_subscription
- cancel_subscription
- pause_subscription
- resume_subscription
- list_discount_codes
- create_discount_code
- get_discount_code
- deactivate_discount_code
- list_payouts
- get_payout
- get_balance
- list_disputes
- get_dispute
- list_webhook_endpoints
- create_webhook_endpoint
- get_webhook_endpoint
- update_webhook_endpoint
- delete_webhook_endpoint
- list_events
- get_event
- send_test_event
$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"
✓ Added HTTP MCP server anytime-capital
> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.
⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })
⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on
> How much did we take by card this week?
⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })
⎿ 214 payments · $31,904.18 gross · 2 refunds
Questions
Credit card processing fee calculator: FAQ
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<iframe src="https://anytime-capital.com/embed/fee-calculator/credit-card-processing-fee-calculator" title="Credit card processing fee calculator" width="100%" height="1040" style="border:0;max-width:640px" loading="lazy"></iframe>
<p style="font:13px/1.4 system-ui,sans-serif;margin:6px 0 0"><a href="https://anytime-capital.com/tools/credit-card-processing-fee-calculator">Credit card processing fee calculator</a> by Anytime Capital</p>Other fee calculators
Where to go next
Important Disclosures
- Rates for the processors named on this page are drawn from published US pricing (each processor's published US pricing, as listed on its comparison page) as of October 2026. Prices change and negotiated pricing differs; check current pricing before you decide. The calculator rounds each fee to the cent, and a processor may round differently.
- Anytime Capital is independent of the processors named on this page. This page is not endorsed by, affiliated with or sponsored by any company it names. Third-party names and trademarks belong to their owners and are used only to identify the pricing shown.
- This calculator is for information only and is not financial, tax or legal advice.
- Dashboard screenshots show a demonstration business with sample data.
- Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.