Payment Processing &
Merchant Fee Calculators
Audit credit card processing fees, calculate exact net payouts, and compare localized merchant rate cards across 6 major payment gateways and 5 global markets.
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📊 2026 Master Payment Gateway Rate Card Comparison Matrix
Compare default domestic processing rates, fixed per-transaction fees, and cross-border surcharges across all supported platforms.
| Platform | 🇺🇸 US (USD) | 🇬🇧 UK (GBP) | 🇨🇦 CA (CAD) | 🇦🇺 AU (AUD) | 🇮🇳 IN (INR) | Hub |
|---|---|---|---|---|---|---|
| Stripe Online Payments API | 2.9% + $0.30 | 1.5% + £0.20 | 2.9% + CA$0.30 | 1.75% + A$0.30 | 2.0% + ₹3.00 | View → |
| PayPal Commerce Digital Wallet & Card | 3.49% + $0.49 | 2.9% + £0.30 | 2.9% + CA$0.30 | 2.6% + A$0.30 | 3.0% + ₹3.00 | View → |
| Etsy Marketplace Artisan Marketplace | 6.5% + 3.0% + $0.25 | 6.5% + 4.0% + £0.20 | 6.5% + 3.0% + CA$0.25 | 6.5% + 3.0% + A$0.25 | 6.5% + 4.0% + ₹3.00 | View → |
| Shopify Payments E-Commerce Platform | 2.9% + $0.30 | 2.0% + £0.25 | 2.9% + CA$0.30 | 1.75% + A$0.30 | 2.0% + ₹3.00 | View → |
| Square POS / Web Retail POS & Web | 2.9% + $0.30 | 1.4% + £0.25 | 2.9% + CA$0.30 | 2.2% + A$0.30 | N/A | View → |
| LemonSqueezy MoR Merchant of Record | 5.0% + $0.50 | 5.0% + $0.50 | 5.0% + $0.50 | 5.0% + $0.50 | 5.0% + $0.50 | View → |
| Venmo for Business Mobile P2P & QR Pay | 1.9% + $0.10 | N/A | N/A | N/A | N/A | View → |
| Clover POS Retail & Restaurant POS | 2.3% + $0.10 | N/A | N/A | N/A | N/A | View → |
| Razorpay Full-Stack Gateway & UPI | N/A | N/A | N/A | N/A | 2.0% (0% UPI) + 18% GST | View → |
| Cashfree Payment Gateway & Payouts | N/A | N/A | N/A | N/A | 1.9% (0% UPI) + 18% GST | View → |
Understanding Payment Gateway Fees & Interchange Economics
Comprehensive guide to credit card processing fees, flat-rate pricing models, and cross-border currency conversion surcharges.
💳 How Credit Card Processing Fees Work
Every card transaction routes through a three-party ecosystem: the merchant acquiring bank, the card network (Visa, Mastercard, Amex), and the customer's issuing bank. Each entity deducts a mandatory cut before the net funds reach your bank account.
Your total processing cost combines wholesale interchange fees (paid to the card issuer), card brand network assessments, and the gateway's processor markup. Understanding these layers helps businesses identify hidden surcharges and optimize transaction margins.
⚖️ Flat-Rate vs. Interchange-Plus (IC+) Pricing
Most standard payment gateways operate on a blended flat-rate model (such as 2.9% + $0.30). You pay one predictable rate regardless of whether a shopper taps a low-cost regulated debit card or an expensive international rewards card.
Businesses scaling beyond $80,000 monthly can negotiate Interchange-Plus (IC+) pricing. IC+ passes through true wholesale interchange costs plus a small fixed gateway markup (e.g. IC + 0.15% + $0.10), slashing total processing overhead by 20% to 40%.
🌐 Cross-Border Surcharges & Currency FX
Accepting international payments introduces extra transaction friction. Gateways charge an overseas card surcharge (typically +1.0% to +1.75%) on all cards issued abroad, even when processed and settled directly in your home merchant bank account.
When overseas buyers purchase using foreign currencies, processors levy an additional currency conversion fee of 1.5% to 3.0%. Combining foreign card surcharges with FX markups frequently pushes total merchant processing costs above 5.5% overall.
🛍️ Merchant of Record (MoR) Platforms
Platforms like LemonSqueezy act as full Merchants of Record. Rather than simply routing payments, an MoR assumes legal liability for calculating, collecting, and remitting global sales tax, GST, and VAT across over 100 countries.
While MoR headline pricing (e.g. 5.0% + $0.50) is higher than standard gateways, these platforms eliminate foreign sales tax filing headaches, cross-border fraud liabilities, chargeback disputes, and expensive overseas corporate registrations for digital businesses.
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📚 Merchant Payment Processing Glossary & Terminology
The baseline wholesale fee charged by issuing banks to process card payments. Regulated in the EU/UK at 0.2%/0.3% and uncapped in the US.
The total percentage rate charged to a merchant for accepting card payments, combining interchange, assessments, and processor markup.
A forced reversal of funds initiated by the cardholder's bank. Gateways levy dispute fees ($15–$25) per occurrence.
An entity authorized to process buyer transactions on behalf of a seller while assuming liability for tax compliance and refunds.