United States Payment Processing Calculators & Interchange Hub
Regional Payment Processing & Interchange Rate Intelligence (USD)
⚖️ Localized Interchange Regulations & Statutory Fee Caps (US)
Legal Compliance AuditUS Durbin Amendment (Regulation II) Debit Interchange Cap
Under the US Dodd-Frank Wall Street Reform Act (Durbin Amendment), interchange fees on debit cards issued by banks with over $10 Billion in assets are capped at 21 cents + 0.05% per transaction (plus 1 cent for fraud prevention). Exempt smaller banks and credit unions may charge higher rates.
Available Payment Gateway Calculators in United States
Stripe United States Fee Calculator
Base Processing Rate: 2.9% + $0.3
Etsy United States Fee Calculator
Base Processing Rate: 6.5% + $0.2
PayPal United States Fee Calculator
Base Processing Rate: 2.99% + $0.49
Shopify Payments United States Fee Calculator
Base Processing Rate: 2.9% + $0.3
Square United States Fee Calculator
Base Processing Rate: 2.6% + $0.1
LemonSqueezy United States Fee Calculator
Base Processing Rate: 5% + $0.5
Mercari United States Fee Calculator
Base Processing Rate: 0% + $0
Poshmark United States Fee Calculator
Base Processing Rate: 20% + $0
Depop United States Fee Calculator
Base Processing Rate: 3.3% + $0.45
eBay United States Fee Calculator
Base Processing Rate: 13.25% + $0.3
TikTok Shop United States Fee Calculator
Base Processing Rate: 10.9% + $0.3
Amazon FBA United States Fee Calculator
Base Processing Rate: 15% + $0
⚖️ Payment Processing Legislation & Interchange Regulations in United States
Payment processing in the United States is governed by a dual market structure created by the Durbin Amendment (Section 1075 of the Dodd-Frank Act). The Durbin Amendment caps interchange fees on debit cards issued by large banks (assets >$10 billion) at $0.21 + 0.05% + $0.01 for fraud prevention. However, unregulated credit card interchange fees remain uncapped, ranging from 1.5% for standard consumer cards to 2.95% for premium rewards and corporate cards. As a result, US payment processors charge flat-rate merchants a default rate of 2.6% to 2.9% + $0.30 per transaction.
📊 United States Payment Gateway Rate Matrix (USD)
Side-by-side comparison of official merchant processing rates, fixed fees, and cross-border surcharges for gateways operating in United States:
| Gateway | Domestic Base Rate | Fixed Fee | Cross-Border Fee | Action |
|---|---|---|---|---|
| Stripe | 2.9% | $0.3 | +1.5% | Calculate → |
| Etsy | 6.5% | $0.2 | +1% | Calculate → |
| PayPal | 2.99% | $0.49 | +1.5% | Calculate → |
| Shopify Payments | 2.9% | $0.3 | +1% | Calculate → |
| Square | 2.6% | $0.1 | +1% | Calculate → |
| LemonSqueezy | 5% | $0.5 | +1% | Calculate → |
| Mercari | 0% | $0 | +1% | Calculate → |
| Poshmark | 20% | $0 | +1% | Calculate → |
| Depop | 3.3% | $0.45 | +1% | Calculate → |
| eBay | 13.25% | $0.3 | +1% | Calculate → |
| TikTok Shop | 10.9% | $0.3 | +1% | Calculate → |
| Amazon FBA | 15% | $0 | +1% | Calculate → |
🌐 Cross-Border & FX Surcharges
Transactions accepted from foreign buyers using non-US cards incur an international card surcharge of +1.0% on Stripe and Shopify Payments, or +1.50% on PayPal. If the transaction requires currency conversion into USD, an additional +1.0% to +3.0% FX markup applies.
🧾 Sales Tax, VAT & GST Compliance
US merchants must comply with state-level Economic Nexus laws (Wayfair ruling). Online sellers must collect state and local sales tax once hitting state-specific revenue ($100,000) or transaction volume thresholds.
Frequently Asked Questions About Payment Processing in United States
Frequently Asked Questions
Common merchant processing questions and rate card rules.