To find what you keep from an invoice, subtract the processor’s fee from the amount charged. For a percentage-plus-fixed fee, that is payout = gross charge − (gross charge × rate + fixed fee). To set a charge that leaves a target payout, use gross charge = (target payout + fixed fee) ÷ (1 − rate). These figures show your payout after processing—not your business profit or after-tax income.
Calculate the processing fee and payout
Use three values from the fee schedule that applies to your account:
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- G: the gross amount charged to the client.
- r: the percentage fee written as a decimal. For example, 2.9% is 0.029.
- f: the fixed fee per transaction in the currency received.
For a fee made up of a percentage plus a fixed amount:
Processing fee = G × r + f
Payout after processing = G − (G × r + f)
For example, if a hypothetical transaction has a 2.9% rate and a $0.30 fixed fee, the fee on a $100 charge is $100 × 0.029 + $0.30 = $3.20. The payout is $100 − $3.20 = $96.80, before any other costs.
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Example: a $100 online card payment using Square’s US rate
Square’s US pricing page, accessed October 4, 2026, displayed an online card rate of 2.9% + $0.30 on two plans. At that rate, a $100 charge produces a $3.20 processing fee and a $96.80 payout before other costs. This is an illustration of those displayed plans, not a universal Square rate or a rate for every account. Check Square’s US processing fees and pricing.
Work backward from a target payout
If the same percentage-plus-fixed fee applies to the whole charge, rearrange the payout equation to solve for the gross amount:
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G = (N + f) ÷ (1 − r)
Here, N is the payout you want after processing. The fixed fee must be added to the target first, then the result divided by one minus the percentage rate expressed as a decimal.
Example: target a $100 payout
At 2.9% + $0.30, the calculation is ($100 + $0.30) ÷ (1 − 0.029), or about $103.40. Since the processor charges in currency increments, round to the currency’s precision and check the fee and resulting payout using the rounded charge. This formula does not account for additional charges that may apply.
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Use the rate for the actual payment and account
There is no single rate that applies to every freelancer or transaction. The applicable fee can depend on the provider, market, currency, plan, payment method, channel, and transaction type. Square’s US pricing page accessed October 4, 2026, displayed online rates of 2.9% + $0.30 on two plans and 3.3% + $0.30 on another. Its displayed in-person tap, dip, or swipe rates varied by plan: 2.4% + $0.15, 2.5% + $0.15, and 2.6% + $0.15. Square’s page lists its plan and payment-channel rates.
PayPal’s US merchant-fee page, last updated October 1, 2026, lists several invoice payment categories with different fee structures. These are US schedule examples, not worldwide rates:
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| PayPal US invoice payment type | Listed fee |
|---|---|
| Standard credit or debit card, Apple Pay, or another third-party wallet | 2.99% plus the fixed fee for the received currency |
| PayPal Checkout, Venmo, or Guest Checkout | 3.49% plus the fixed fee for the received currency |
| Pay by Bank (ACH) | 1%, capped at $10 per transaction |
The PayPal schedule also lists a separate percentage-based charge for international commercial and invoice transactions. Consult the live schedule for its details and for the terms that apply to your account. See PayPal’s US merchant fees.
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- Percentage rate and fixed fee.
- Payment method and channel, such as card, ACH, online, in-person, or manually entered.
- Domestic or international treatment, including any separate cross-border charge.
- Currency received and any currency-conversion charge.
- Minimums, caps, plan conditions, and other fees that may affect the total.
The examples above show why payment categories matter; they do not establish that one provider or method is always cheapest. Your transaction mix and the full applicable terms determine the comparison.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Account for other charges and rounding
The reverse formula assumes the same percentage-plus-fixed fee applies to the entire charge. If your transaction has international, currency-conversion, platform, refund, or other charges, model them separately using your account’s actual terms. After calculating a gross amount, round it to the currency’s precision and recalculate the fee on that rounded amount to check whether it meets the target.
“Net after fees” is not profit or take-home pay
The formula gives the payout after processing fees. It does not subtract your other business expenses or determine your personal tax. A processor’s fee schedule cannot establish a universal tax rate or a complete calculation of freelance take-home income.
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Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Clear out junk files and repair common Windows errorsFree Scan →Square says its processing fees are deducted before funds are transferred to a linked bank account, and that the fee is taken from the transaction total, including tax and tip. That describes Square’s fee handling; check your own provider’s documentation for its treatment of your transactions. Read Square’s support explanation of fees.
Verify the fee schedule before quoting a client
Before using either formula, confirm the live rate for your provider, account, market, currency, plan, payment channel, and transaction type. Then calculate the fee on the expected charge—or gross up the payout you need—and check the result after currency rounding. Rates and terms can change.
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