Payment Gateway Fee Comparison Calculator
Where a monthly fee starts paying for itself.
Processor pricing varies by country, card type and whatever you negotiated, and it changes without much notice. Take the real figures from your own statement — these defaults are a starting point, not your account.
Cheaper option
Option B
by $86 a month
The monthly-fee option wins above $34,912 of volume and loses below it. Growing businesses cross that line and never revisit the decision, which is how they end up on the wrong plan for years.
How the Payment Gateway Fee Comparison Calculator works
A lower percentage with a monthly fee beats a higher percentage with none — but only above a certain volume. Businesses cross that line as they grow and almost never revisit the decision, which is how they end up on the wrong plan for years.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
How do I compare two gateways properly?
Model total monthly cost at your actual volume and transaction count, not the headline rate. Percentage, fixed fee and monthly charge each dominate at different scales.
What is the crossover volume?
The monthly volume at which two pricing structures cost the same. Below it the no-monthly-fee option wins; above it the lower percentage does. Knowing yours tells you when to renegotiate.
What besides price should I weigh?
Settlement speed, supported payment methods in your markets, chargeback handling, checkout conversion, and how painful migration would be. A quarter-point saving is easily wiped out by a checkout that converts worse.
Can I use more than one?
Yes, and larger merchants routinely do — routing by card type or region to whichever is cheapest, and keeping a fallback for outages. It adds reconciliation work, so it pays off at scale rather than early.