Terms & Conditions

Last Updated: August 2026

Effective Date: June 1, 2026

1. Acceptance of Terms

By accessing and using VendorCalcs.com (the "Site"), you confirm that you are at least 18 years of age, have read and understood these Terms and Conditions ("Terms"), and agree to be legally bound by them. These Terms form a legally binding agreement between you ("User," "you," or "your") and VendorCalcs ("we," "us," or "our"), an independent publisher of payment processing fee calculators and financial micro-tools.

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Site following any changes constitutes acceptance of the revised Terms. We will update the "Last Updated" date at the top of this page whenever material changes are made.

2. Description of Services

VendorCalcs provides a suite of free, browser-based financial calculators and educational guides designed to help digital merchants, e-commerce stores, freelancers, and online marketplace sellers understand payment processing fees, platform commissions, currency conversion charges, and net payout structures. Our tools include:

• Stripe Fee Calculators — US, UK, Canada, Australia, and India credit card processing and reverse billing.
• PayPal Fee Calculators — Commercial merchant rates, standard rates, and international transaction surcharges.
• Marketplace Fee Calculators — eBay Final Value Fees, Etsy listing fees, Poshmark dual-tier threshold logic, Mercari 0% seller fee shifts, Depop 0% commission structures, TikTok Shop referral fees, and Amazon FBA fulfillment costs.
• POS & E-Commerce Calculators — Square in-person/online POS rates, Shopify Payments tiers, and third-party gateway penalty fees.
• Reverse Invoice Calculation Engine — Determining exact client gross billing needed to net targeted take-home pay.

All calculators are provided free of charge and do not require account registration. We may add, modify, or retire tools at any time without prior notice.

3. Educational and Informational Purposes Only (No Financial or Tax Advice)

The calculators, formulas, guides, comparison tables, and all content published on VendorCalcs are provided strictly for educational and informational purposes only. Nothing on this Site constitutes, or should be interpreted as, formal financial advice, tax advice, accounting advice, legal advice, or payment consulting.

Specifically:

• We are not a payment processor, bank, certified public accountant (CPA), registered tax preparer, or legal counsel.
• Calculator outputs are mathematical estimates based on user-entered variables and publicly available standard rate schedules. They do not constitute guaranteed payout figures from any financial institution or marketplace.
• Processor pricing schedules, interchange assessment rates, card network rules, and marketplace seller agreements change frequently. Individual merchant accounts may have custom interchange-plus markups, volume discounts, or distinct risk tiers that differ from default published rates.
• Before making pricing decisions, entering contracts, or filing tax returns (such as IRS Form 1040 Schedule C), you should always consult with a qualified CPA or legal adviser.

Your reliance on any information provided by VendorCalcs is solely at your own risk.

4. Accuracy and Completeness of Information

We make reasonable efforts to maintain the accuracy and timeliness of the rate structures, formulas, and fee schedules published across our calculators. Our research references official public documentation from Stripe, PayPal, Square, Shopify, eBay, Etsy, Poshmark, Mercari, Depop, Amazon, the US Federal Reserve (Durbin Amendment), the European Commission (IFR), and the Reserve Bank of India (RBI).

However, VendorCalcs makes no warranties, express or implied, regarding the completeness, accuracy, reliability, or timeliness of any rate, formula, or estimate on this Site. We expressly disclaim all liability for any errors, omissions, calculation discrepancies, or financial losses resulting from reliance on our tools.

5. User Conduct and Acceptable Use

By using VendorCalcs, you agree that you will not:

• Use the Site for any unlawful purpose or in violation of applicable financial or commercial laws.
• Attempt to reverse engineer, scrape, decompile, or extract proprietary data or mathematical formulas from the Site in bulk without express written authorization.
• Use automated scripts, bots, or web crawlers in a manner that burdens or disrupts our server infrastructure.
• Misrepresent VendorCalcs content, calculators, or guides as your own original intellectual property.
• Transmit any malicious code, viruses, or disruptive software through or to the Site.

6. Intellectual Property Rights

All original content on VendorCalcs — including calculator algorithms, user interface components, editorial guides, database compilations, benchmark tables, and site styling — is the intellectual property of VendorCalcs and is protected by copyright, trademark, and other applicable laws.

All platform trademarks, logos, and service marks displayed on the Site (e.g., Stripe, PayPal, Square, Shopify, eBay, Etsy, Poshmark, Mercari, Depop, TikTok Shop, Amazon, QuickBooks, Wise) are the property of their respective owners. Their display on VendorCalcs is strictly for nominative identification and informational comparison purposes, and does not imply endorsement, affiliation, or sponsorship.

7. Third-Party Links and Affiliate Partnerships

VendorCalcs is supported through affiliate partnerships. Certain links on this Site are affiliate links. If you click on an affiliate link and make a purchase or subscribe to a service (such as QuickBooks Online, Wise Business, or LemonSqueezy), we may receive a referral commission at no additional cost to you.

We only partner with tools that we believe provide genuine utility to online merchants and small business owners. Our editorial guides and mathematical fee formulas remain strictly objective and are never altered by commercial relationships. We do not control and are not responsible for the content, privacy practices, or terms of third-party websites.

8. Limitation of Liability

To the fullest extent permitted by applicable law, VendorCalcs, its founders, operators, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages — including but not limited to lost profits, lost revenue, business interruption, tax penalties, or processor fee discrepancies — arising out of your access to, use of, or inability to use our tools and content.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to its conflict of law provisions.

10. Contact Us

If you have any questions, feedback, or concerns regarding these Terms and Conditions, please reach out via our Contact Page or email us directly at [email protected].