Affiliate Disclosure & Financial Disclaimer

Last Updated: August 2026

1. FTC Affiliate Disclosure

In accordance with the Federal Trade Commission (FTC) guidelines concerning the use of endorsements and testimonials in advertising (16 CFR Part 255), please assume that certain external outbound links on VendorCalcs.com are affiliate referral links.

If you click on an affiliate partner link and sign up for a service, subscribe to software, or open an account with one of our recommended partners (including QuickBooks Online, Wise Business, Square, or LemonSqueezy), VendorCalcs may earn a referral commission at zero additional cost to you. In many instances, our partner agreements provide exclusive discounts (such as 50% off accounting subscriptions or waived hardware costs) that benefit our users.

2. Editorial Independence & Mathematical Integrity

VendorCalcs was founded on a simple principle: 100% transparent, mathematically objective fee calculation. We do not accept sponsored placements that alter our mathematical logic or benchmark rankings.

• No payment processor or marketplace pays us to rank higher in our comparison tables.
• Our calculator formulas strictly replicate published public rate schedules and statutory interchange caps.
• We display negative and punitive fees transparently (such as Shopify's third-party gateway penalty, Poshmark's $2.95 flat fee on items under $15, and eBay's tax-inclusive fee calculations) regardless of commercial partnerships.

3. Not Formal Financial, Tax, or Legal Advice

VendorCalcs is an independent educational publishing tool. We are not a licensed financial institution, payment gateway, certified public accountant (CPA), registered tax agent, or legal firm.

Before making commercial pricing commitments, signing long-term processor contracts, or filing tax returns (such as IRS Form 1040 Schedule C), you should always review your records with a licensed CPA or qualified professional.

4. Rate Accuracy & Processor Volatility

While our research team verifies fee schedules monthly against official developer documentation and regulatory filings (such as Federal Reserve Regulation II and UK/EU IFR mandates), payment processors and marketplaces reserve the right to alter pricing, cross-border surcharges, and interchange assessments at any time.

VendorCalcs makes no warranties regarding the absolute real-time accuracy of every rate tier. If your merchant account has custom interchange-plus agreements or specific category exemptions, your real-world payouts may differ from our default published models.

5. Limitation of Liability

Under no circumstances shall VendorCalcs or its operators be held liable for any direct, indirect, incidental, or consequential damages, business losses, tax penalties, or processor overcharges resulting from the use of, or inability to use, the information and calculators on this website.

6. Questions & Data Corrections

If you are an engineer or representative from a payment platform and notice a rate change or update that should be reflected in our formulas, please reach out via our Contact Page. We review and deploy rate updates rapidly.