Documented Methodology4 Regional UtilitiesVerified 2026
Authorize.Net Processing Calculators
Gateway monthly fees, per-transaction surcharges, and merchant account interchange-plus calculations.
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Authorize.Net All-in-One Fee Calculator (2.9% + $0.30)
Calculate Authorize.Net merchant gateway deductions plus $25/mo amortized.
All Available Regional Tools & Benchmarks (4)
Click any card to calculateAuthorize.Net All-in-One Fee Calculator$
Calculate Authorize.Net merchant gateway deductions plus $25/mo amortized.
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Authorize.Net Payment Gateway Only Calculator$
Gateway-only pricing with your own third-party merchant account.
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Authorize.Net eCheck Fee Calculator$
ACH and electronic direct debit fee calculator for enterprise merchants.
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Authorize.Net International Fee Calculator$
Global transaction processing with Authorize.Net cross-border surcharge.
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Authorize.Net Processing Calculators — Frequently Asked Questions
Authoritative answers to common questions, regulatory rules, and compliance guidance.
How do I charge a client so I receive the full invoice amount?
Use FeeKit's reverse calculation mode. For a $1,000 target payout at 2.9% + $0.30, charge $1,030.18. Stripe takes $30.18, leaving you with exactly $1,000.00.
How much do international cards cost extra?
Most gateways add a +1.5% surcharge for cards issued outside your domestic country, plus an additional 1.0% to 3.0% if currency conversion is involved.
How does Wise compare to traditional merchant gateways?
Wise charges true mid-market exchange rates with a nominal ~0.45% transfer fee, saving merchants between 2% and 3% on foreign invoice settlements.
Which payment processor is cheaper: Stripe, PayPal, or Square?
For standard online domestic transactions, Stripe and Square tie at 2.9% + $0.30, while PayPal Commerce is noticeably more expensive at 3.49% + $0.49. For in-person point-of-sale card processing, Square (2.6% + $0.10) is the most cost-effective.
What is the cheapest payment processor for micropayments under $10?
For low-ticket transactions, PayPal offers a dedicated micropayments rate (5.0% + $0.05). On a $5 transaction, PayPal micropayments fee is $0.30, compared to $0.45 with Stripe’s standard $0.30 fixed fee.