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 you keep, using Stripe's published US rates or your own provider's rate. Free, instant, no signup.
No signup Instant results Stripe rates checked Nov 1, 2026
Your numbers
Payment method
Card vs ACH across payment sizes, with the source data: our payment processing cost benchmarks. Selling through a marketplace instead? The Upwork vs Fiverr fee calculator shows what each platform keeps.
F
Fee calculator$1,000.00 invoice · Card — online (payment link)
SUMMARY| The same invoice | Fee | You receive |
|---|---|---|
| Stripe published rate 2.9% + 30¢ · domestic cards | $29.30 | $970.70 |
| Your provider's rate Enter your rate on the left | Enter a rate | — |
You keep · Stripe published rate$970.70
Stripe's published standard US rates from stripe.com/pricing, checked November 1, 2026, for domestic cards and ACH Direct Debit. International cards and currency conversion cost more, and your account's rates may differ. These are processing rates only: they don't include any fees from the invoicing software you use.
The connected version
- Invoices and payment links collect online on every plan — from $29/month
- Payment plans split big invoices from Specialist ($149, 10 seats)
- Automated reminders follow up so you don’t have to
14-day free trial. Card required. After the trial: from $29/month. Renews automatically every month until you cancel. Cancel anytime in Settings → Billing.
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
See what you keep
The fee and effective rate with Stripe's published rate, and with your own provider's rate if you enter it.
This number works once. Workspace369 makes it a workflow.
Workspace369 — the connected version
- Invoices and payment links collect online — every plan from $29/month
- Payment plans split large invoices from Specialist ($149, 10 seats)
- Follow-up reminders run automatically with automations
- Every payment lands on the client record — status always visible
14-day free trial. Card required. After the trial: from $29/month. Renews automatically every month until you cancel. Cancel anytime in Settings → Billing.
Free done-for-you setup until December 31, 2026. After signup, claim free setup in your workspace. See free setup
If you collect payments online, Workspace369 gives each client a portal with their invoices and payment links in one place. Client portal and billing software
Payment fee FAQ
Is ACH cheaper than taking a card?
On Stripe's published US rates, yes — at any invoice size. A $1,000 invoice costs $29.30 by card (2.9% + 30¢) and $5.00 by ACH Direct Debit (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 enter my own provider's rate?
Stripe's published rate is a common starting point, but your processor may charge a different percentage or fixed fee, and some accounts get custom pricing. Enter the rate from your own statement or pricing page and the calculator shows your fee and what you keep next to Stripe's published rate.
How do I pay less in processing fees?
Where your provider supports it, offer ACH on large invoices, keep cards for when speed matters, and avoid keying cards in by hand.
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.
14-day free trial. Card required. After the trial: from $29/month. Renews automatically every month until you cancel. Cancel anytime in Settings → Billing.
