How It Works Under the Hood
Forward mode computes Fee = (Charge * Rate) + Fixed Fee and Net = Charge - Fee. Reverse Pass-Through solves the linear equation Gross = (Target Net + Fixed Fee) / (1 - Rate) so subtracting the fee yields your exact target net amount.
Step-by-Step Instructions
Select a baseline processor preset (Stripe, PayPal, Gumroad) or customize any % + fixed fee.
Enter your transaction or target payout amount.
Read "Net You Keep" on the left card or "Amount to Invoice" on the right reverse card.
Copy exact numbers with one click.
Key Features & Performance
- Exact Reverse Pass-Through Math: Invoice $103.30 on a 2.9% + $0.30 rate to receive exactly $100.00
- Editable Custom % & Fixed Fee: Adapts instantly to regional cards or enterprise tiers
- One-Click Copy: Copy clean two-decimal figures into Stripe/PayPal invoices
- Zero Account Tracking: Client-side financial calculation only
Local Browser Processing & Privacy
Traditional web converters upload your documents, snippets, or media files to remote servers. Stripe, PayPal & Payment Gateway Fee Calculator runs inside your browser tab:
Your input text and files are processed locally without uploading payloads to a processing server.
Microdeck does not log or store the files or inputs you paste into tool workspaces (normal static hosting/CDN requests still load page assets).
Working outputs stay in your browser tab and are released when you reset the tool or close the tab.
Frequently Asked Questions
Why does adding 2.9% + $0.30 directly to $100 fall slightly short of $100 net?
Because payment processors charge their percentage on the final gross charge (not just the original $100). Using the reverse formula (Target + Fixed) ÷ (1 - Rate) accounts for the fee charged on the fee itself.
Are preset rates guaranteed for every country?
Preset rates represent common baseline domestic card schedules and vary by country, currency FX, and account volume. You can edit both the % and fixed fee fields at any time.
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