Reverse Fee Calculation

Payment processors charge fees on every transaction. When you want to receive exactly $100, you can't just charge $100—you need to charge more to cover the fees. This calculator determines the exact gross price so you receive your desired net amount after fees are deducted.

Standard Processor Fees

• Stripe: 2.9% + $0.30 per transaction
• Square: 2.6% + $0.10 per transaction
• PayPal: 2.9% + $0.30 per transaction
• Shopify Payments: 2.9% + $0.30 per transaction

Note: Rates shown are standard US rates. Your actual rates may vary based on your plan, volume, or negotiated terms.

Why Merchants Need This Tool

Freelancers, small businesses, and e-commerce merchants often need to pass processing fees to clients or ensure exact profit margins. Manually calculating reverse fees is error-prone. This calculator instantly shows what to charge across multiple processors, helping you compare costs and make informed decisions about which payment method to offer.

The Formula

Gross = (Net + Fixed Fee) ÷ (1 - Percentage Rate)

For example, to receive $100 net with Stripe (2.9% + $0.30): Gross = ($100 + $0.30) ÷ (1 - 0.029) = $103.27