# Payment Processing Fee Calculator

URL: https://www.paydude.io/resources/tools/payment-processing-fee-calculator
Type: Free interactive calculator
Summary: Move one slider to see what card processing costs you per month at your volume, and how much a lower published rate would save.

Set your monthly card volume below. The calculator applies the tier your volume qualifies for and compares it against a standard 2.9% + 30¢ published rate.

## How the calculation works

Card processing cost has two parts: a percentage of the amount, and a flat fee per transaction. The calculator assumes a $25 average transaction, so the number of transactions is your monthly volume divided by 25.

That second part matters more than most people expect. A flat 30¢ on a $25 sale is another 1.2% on top of the headline rate — see the [effective rate calculator](https://www.paydude.io/resources/tools/effective-rate-calculator) to work out your own.

> **Rates move:** Published card rates change. The comparison rate here is the standard 2.9% + 30¢ that most large processors advertise, and Paydude tiers match the table on the pricing page.

## What this does not include

- International card surcharges, which apply only when the card was issued outside your home country
- Premium rewards and corporate card surcharges
- Chargeback and retrieval fees, which depend on your dispute rate
- Instant payout fees, which apply only if you choose one

Those are situational, not baseline, so folding them into a headline comparison would overstate the cost for most businesses. Paydude lists each of them on the [pricing page](https://www.paydude.io/pricing).

**See the full rate card** Every tier and every situational fee, with no sales call. — [View pricing](https://www.paydude.io/pricing)

## Frequently asked questions

### What average transaction size does this assume?

$25. The fixed per-transaction fee is a much bigger share of a small sale than a large one, so ticket size changes the result significantly. Use the comparison calculators if you want to set your own average.

### Is the savings figure a quote?

No. It is arithmetic on two published rate cards. Your actual cost depends on your card mix, your dispute rate, and which situational fees apply to your business.

### Do I have to ask for a lower rate?

No. Paydude tiers apply automatically based on last month's volume, and a tier stays locked for six months once you reach it.