One fee-deducted payment
A fictional USD 1,000 gross receipt at 3% plus USD 0.25 gives a USD 30.25 fee estimate and USD 969.75 net. The invoice allocation still needs the evidence for the gross receipt, not just the bank amount.
Payment reconciliation
Free Invoice Payment Fee Calculator
A client may pay the invoice in full while the processor sends a smaller amount to your bank. Estimate the fee difference for one payment, then reconcile it against the actual transaction report rather than treating net settlement as a partial client payment.
What you can do here
Estimate a single payment's percentage fee, flat fee and net settlement using rates you enter.
Built for real invoice workflows
Confirm the gross receipt allocation before updating the invoice's payment status or follow-up.
Preparing your calculator with today’s date…
Calculation notes
How the result is calculated
Percentage fee = gross payment × entered percentage, rounded to cents. Total fees = percentage fee + flat fee. Net settlement = gross payment − total fees. This estimates one successful payment, not an entire payout batch. All default rates are fictional examples, not Stripe or another provider's price. Actual rounding and additional charges can differ.
Formulas and examples reviewed October 2, 2026. Illustrative figures; no tax or contractual determination.
A small receipt and a flat charge
A fictional USD 10 payment at 2% plus USD 0.30 has USD 0.50 estimated fees and USD 9.50 net. If entered fees exceed the receipt, net is negative and needs review against the actual report.
Questions about this calculation
Are these current provider fees?
No. Defaults illustrate the formula. Enter the applicable rates and check the provider's actual settlement report, including any extra charges.
Should I pass the fee to the client?
This tool estimates deductions only. It does not authorize a surcharge or decide its contractual or legal treatment.
How to use it
1
Enter the gross client payment in one currency.
2
Enter the percentage and flat fee from your applicable provider terms.
3
Compare the estimate with the actual fee report; keep refunds and other adjustments separate.
Why it helps
Show gross receipt, fees, and net as separate values.
Avoid mistaking provider deductions for a client underpayment.
Check entered fee assumptions without relying on a stale provider quote.
Next step
From free tool to live invoice workflow.
Use the result when creating your invoice in InvoiceAgent. Planner setup links carry the settings they describe into a draft. Review your dates, amounts, PDF, and reminder settings before scheduling.
Related workflows
Move from the quick answer into the rest of the invoice system.
Reconcile the payout batch
Reconcile the payout batch
Connect gross transactions and fee deductions to net bank settlement.
Allocate the confirmed receipt
Allocate the confirmed receipt
Keep the client's invoice allocation separate from processing fees.
Invoice templates
Invoice templates
Use the result inside invoice formats that are ready for clients and easier to automate.
Knowledge base
Knowledge base
Review the billing concepts behind the numbers before they go onto a live invoice.
Profession pages
Profession pages
See how freelancers, consultants, and agencies apply the same calculator output in different workflows.