Credit card surcharge calculator
See the surcharge that covers a card fee from the rate and fixed fee you type.
Result
Credit card surcharge calculator
Surcharge
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Enter the sale, the percent and the fixed fee to see the surcharge.
Ballpark estimate, check before you buy or quote.
This is a simple estimate, not advice. Check the card network rules before you add a surcharge.
Estimate for planning only. This is not tax, legal, accounting or financial advice. Results depend on the figures you enter. Check all numbers, rates and rules with the official source or a qualified professional before relying on them.
How this works and common questions
About this tool
The amount to charge is worked from the percent and fixed fee you type. This is a simple estimate, not advice. Check the card network rules before you add a surcharge.
How it works
The amount to charge is (sale plus the fixed fee) divided by (1 minus the percent you type), rounded half away from zero to the cent. The surcharge is that amount minus the sale.
Rules
This is a simple estimate, not advice. You type the rates. Check the card network rules before you add a surcharge. The fee taken on the rounded amount can differ by one cent.
Questions
What do I type?
The sale you want to keep, the percent fee and the fixed fee from your card pricing. The page does not look up a network rate.
What does the surcharge mean?
It is the amount to add so that, after the percent and the fixed fee you typed, the sale is left. For a $100.00 sale, 2.90% and $0.30, the surcharge is $3.30 and the amount to charge is $103.30.
Can I add this on a card payment?
Check the card network rules before you add a surcharge. This page does not say that a surcharge is allowed.
Do I need an account?
No. The tools work without one. You only need to sign in to save your work.
Is what I type saved?
No. Nothing is saved unless you sign in and choose Save. Otherwise it stays on the page.
Do you show ads or sell my information?
No. We show no ads and we do not sell your information.
Is this tax or legal advice?
No. Results are estimates for planning. Check rates and rules with the official source or a qualified professional.
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Estimate for planning only. This is not tax, legal, accounting or financial advice. Results depend on the figures you enter. Check all numbers, rates and rules with the official source or a qualified professional before relying on them.