The free calculator
- The fee on one invoice, calculated once
- You pick the method and chase the payment yourself
- No running total of what fees cost you each month
Payment processing fee calculator.
Enter the invoice amount and how the client pays — see the fee, the effective rate, and what the same invoice costs across Stripe, HoneyBook, FreshBooks, Jobber, and QuickBooks. Free, instant, no signup.
No signup Instant results Rates checked Sep 23, 2026
Your numbers
Payment method
Card vs ACH across payment sizes, with the source data: our payment processing cost benchmarks.
The connected version
- Invoices and payment links collect through Stripe on every plan — from $29/month
- Payment plans split big invoices from Specialist ($149, 5 seats)
- Automated reminders follow up so you don’t have to
F
Fee calculator$1,000.00 invoice · Card — online (payment link)
SUMMARY| The same invoice at each provider | Fee | You receive |
|---|---|---|
| Stripe2.9% + 30¢ | $29.30 | $970.70 |
| HoneyBookLowest2.9% + 25¢ (from 2.7% + 10¢) | $29.25 | $970.75 |
| FreshBooks2.9% + 30¢ | $29.30 | $970.70 |
| Jobber2.9% + 30¢ online | $29.30 | $970.70 |
| QuickBooks Payments2.99% | $29.90 | $970.10 |
You keep · HoneyBook$970.75
Fees shown are the providers' published rates for standard online transactions, checked September 23, 2026; your account's rates may differ by plan and history. Where no published rate exists for this method, the table says See site.
01
Enter the invoice
The invoice amount, and how many like it you send each month.
02
Pick the method
Online card, ACH bank transfer, or a card keyed in by hand.
03
Compare what you keep
Your fee and effective rate, and the same invoice across five providers.
The upgrade path
This number works once. Workspace369 makes it a workflow.
Workspace369 — the connected version
- Invoices and payment links collect online through Stripe — every plan from $29/month
- Payment plans split large invoices from Specialist ($149, 5 seats)
- Follow-up reminders run automatically with automations
- Every payment lands on the client record — status always visible
Payment fee FAQ
Is ACH cheaper than taking a card?
On the published rates here, yes — at any invoice size. A $1,000 invoice on Stripe-standard rates costs $29.30 by card and $5.00 by ACH (0.8% with a $5 cap). The trade-off: bank transfers can take longer to reach your account, so check your provider's payout schedule.
What does the effective rate mean?
The fee as a share of the invoice: fee ÷ invoice amount × 100. The fixed per-transaction part makes small invoices cost more per dollar — a $50 invoice at 2.9% + 30¢ works out to 3.5%, not 2.9%.
Why does the table say See site for some providers?
We only show rates verified on the provider's own pricing page. Not every provider publishes a keyed-in rate the same way, so that cell says See site instead of a number we can't back up.
How do I pay less in processing fees?
Where your provider supports it, offer ACH on large invoices and keep cards for when speed matters. In Workspace369, invoices and payment links collect through Stripe on every plan from $29/month, and payment plans split big invoices from Specialist ($149, 5 seats).
Ready when you are
See where Workspace369 fits into your client-work flow.
Start with the modules you need today, then turn on AI, automations, accounting, inventory, requests, and reporting as the operation grows.
