Payment Fee Calculator
True cost of every transaction
Enter your payment profile below. We calculate the total monthly cost across providers using real fee structures — including interchange, scheme fees, and acquirer margins.
Volume
€
€
Card Mix
Total: 100%%
%
%
%
Card Scheme
Business Type
Est. transactions / month588
Provider
Monthly Cost
Eff. Rate
Saving vs Worst
IC
Interchange++
IC++ generic
€456
0.91%
Best+€1,495
A
Adyen
Interchange++
€524
1.05%
+€1,427
S
Stripe
Blended flat rate
€922
1.84%
+€1,029
M
Mollie
Blended flat rate
€1,102
2.20%
+€849
P
PayPal
Blended flat rate
€1,951
3.90%
—
Maximum monthly saving
Switching from the most expensive to the cheapest provider
€1,495/ mo
€17,936 / year
Estimates based on published fee structures and typical EU interchange rates. Actual fees may vary based on negotiated rates, card type mix, and volume tiers. Interchange++ rates use EU regulated caps (debit 0.2%, credit 0.3%) plus typical acquirer markup.
Guide pratique — France
Allez plus loin — Réduisez vos frais de paiement
Notre guide pratique vous montre exactement comment négocier avec votre acquéreur et réduire vos frais de 20 à 40%.
Need a real statement review?
Buy the payment cost audit.
The calculator gives a model. The audit reviews your live statement, benchmarks the markup, and returns a negotiation-ready savings memo.
$499
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