Blended PSP fee calculator
Mix your payment methods with their fees and approval rates. See what each really costs, the blended rate and what settles to your account.
| Method | Volume (k) | Fee % | Fixed / txn | Avg ticket | Approval % | Effective % | Fee cost |
|---|---|---|---|---|---|---|---|
| Blended | — | — | — | — | |||
Fees are charged on successful volume only; declined attempts cost nothing here but you lose the deposit. Real contracts add rolling reserves, chargeback and refund fees, monthly minimums, FX markups and settlement delays. Use it to compare a payment mix, not to reconcile an invoice.
What payment processing actually costs
A payment provider quote is rarely a single number. Each method — cards, bank transfer, e-wallets, vouchers, crypto — has its own percentage fee, a fixed fee per transaction, and often a different rate for deposits and withdrawals. On top of that sit rolling reserves, chargeback fees, monthly minimums and FX margins. This calculator takes the volume and mix across your methods and returns the effective cost per method, the blended processing rate across all payments, and the net amount that actually settles to your account after everything is deducted.
The blended rate is what to negotiate on
A provider might advertise a low card rate and make its margin on withdrawals, on a poor FX spread, or on a method your players actually prefer. The only figure that tells you the real cost is the blended rate across your genuine mix, and that is what you should compare between providers and use to negotiate. The fixed per-transaction fee matters most when your average deposit is small — a fixed fee is a far bigger percentage of a small deposit. This tool uses the rates you enter; get them from the provider's schedule of fees, not the sales deck, and re-run it when your method mix shifts.