Sales & payments
Payment Fee Plan Comparison Calculator
Put two payment fee schedules against the same sales volume. Compare monthly charges, net receipts and the transaction volume where costs meet.
06 / COMPARE FEE PLANS
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Your numbers.
A clearer decision.
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INPUT GROUP 01
Your monthly sales
One average ticket size for all transactions. Use comparable payment types and the same currency.
INPUT GROUP 02
Plan A
Use your quoted terms. Zero minimum means no floor; zero cap means uncapped.
INPUT GROUP 03
Plan B
Use your quoted terms. Zero minimum means no floor; zero cap means uncapped.
Check the assumptions before acting on a result.
Read the method and exampleYOUR CALCULATION
Plan B has lower monthly fees.
Plan B monthly fees
Monthly fee difference
Plan A revenue after fees
Plan B revenue after fees
Equal-cost transaction volume
Continuous intersection, which can be fractional; this is not an exact whole-transaction winning threshold.
Half, current and double monthly transaction volume
| Transactions | Plan A fees | Plan B fees | Difference |
|---|---|---|---|
| 50 | $160.00 | $155.00 | $5.00 |
| 100 | $320.00 | $290.00 | $30.00 |
| 200 | $640.00 | $560.00 | $80.00 |
Illustrative inputs loaded. Replace them with your own assumptions.
How the payment fee plan comparison calculator works
For each average-sized transaction, add the percentage charge and fixed transaction fee. Apply the entered minimum fee, then any nonzero cap. Round that combined transaction fee half-up to cents. Multiply by whole transactions and add the fixed monthly plan charge.
Fee per transaction = min(nonzero cap, max(minimum, amount × percentage ÷ 100 + fixed fee)). Monthly fees = transactions × fee per transaction + monthly plan charge. Net receipts = gross sales − monthly fees; negative net receipts remain visible when a monthly charge exceeds sales.
The crossover is the nonnegative intersection of the two monthly cost lines at this same average ticket: (B monthly charge − A monthly charge) ÷ (A per-transaction fee − B per-transaction fee). It may fall between whole transactions. Equal per-transaction fees produce no unique crossover. This is not a promise that a plan becomes cheaper at a rounded display value.
This model assumes identical average-sized successful transactions and one simple fee schedule. When fees have caps or minimums, the average of actual fees can differ from the fee on the average sale. Refunds, disputes, taxes, currency conversion, card mix, minimum monthly processing charges and tiered pricing are excluded. Check whether a supplier cap applies to the complete fee or only one component before entering it here.
Worked example
At 100 transactions of $100 each, illustrative Plan A charges 2.9% plus $0.30, with no monthly charge: $3.20 per transaction and $320 per month. Plan B charges 2.6% plus $0.10 and $20 monthly: $2.70 per transaction and $290 monthly. B costs $30 less at this volume. The cost lines meet at 40 transactions, where both cost $128. These are fictional plan terms, not current processor prices.
Sources and assumptions
The source material explains the underlying calculation or pricing structure. Entered prices, costs, schedules and scenario choices are your assumptions; this tool does not obtain supplier quotes or predict actual results.
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