Payment fees
What do you actually keep on an order?
Every deduction named, including ours. Change a figure and the answer changes with it.
What does a payment fee calculator tell you?
A payment fee is never one number. On a single order the card processor takes a percentage and usually a fixed amount on top, the platform you sell on takes its own cut, and the bank or processor may take a further fee when it settles the money to you. This calculator asks for the order value and shows all of them separately, then the amount that reaches your account and the share of the order the fees came to. Crate's own platform fee is one of those lines, at the rate Crate actually charges, because a fee calculator that leaves out its author's fee is an advert. Rates for outside processors carry the date they were read and a link to the card they came from.
Your result
Enter an order value and the answer appears here.
We do not publish a processor rate for this market yet. Every rate on this page has to have been read off the processor's own page on a stated date, and nobody has read one for this currency, so the calculator declines rather than showing you a fee of zero. Switch the currency above, or use the processor's own pricing page for the percentage and bring it to the profit margin calculator.
You keep
| Order value | |
|---|---|
| Processor fee | |
| Crate platform fee | |
| Total fees | |
| Fees as a share of the order |
| Orders | |
|---|---|
| Sales | |
| Processor fee | |
| Crate platform fee | |
| Settlement fees | |
| You keep | |
| Fees as a share of sales |
How this is worked out
Every deduction named, including ours. Change a figure and the answer changes with it.
- processor fee = order value times the processor's percentage, rounded to the nearest minor unit, plus the processor's fixed fee, then capped or waived where the processor's own card says so
- Crate fee = order value times Crate's rate, rounded up to the next minor unit
- you keep = order value, minus the processor fee, minus the Crate fee
- fees as a share = total fees divided by the order value
A worked example
The monthly panel works each fee out on one order and then multiplies. It never applies the fee to the monthly total, because the fixed component is charged per transaction: computing it on the total understates the bill by that fixed amount times one fewer than your order count. At a hundred orders and a fixed fee of a third of a currency unit that is thirty-three units a month gone missing, every month. It is the most common error in calculators of this kind and it always favours the platform publishing them.
What this assumes
- Fees are worked out on the gross order value, tax and delivery included, because that is what a processor charges on.
- Refunds, chargebacks, disputes and currency conversion are not modelled. They are real costs and this calculator does not pretend to cover them.
- Crate's fee rounds up to the next minor unit, so on any one order you may pay up to one minor unit more than the exact percentage. The processor's fee rounds to the nearest. Those are the two rules actually in force and they are genuinely different.
- Settlement fees are charged per payout, not per order, so they appear only in the monthly panel and only once you say how many payouts you take.
- Published rates are the starting point. Processors negotiate, so a high-volume seller may well pay less than the card says.
Where the outside figures come from
Questions about this calculator
Short answers, and none of them hedge. If yours is not here, ask us on the contact page.
Does bringing my own processor account make Crate's fee go away?
No, and a tool telling you otherwise is misreading the contract. Using your own processor keys changes who holds the money first: the fee is invoiced to you instead of being taken out of settlement. The amount owed is identical either way. What does change is the figure that lands in your bank on the day, which is why the calculator moves the line rather than deleting it.
Why is Crate's own fee in a calculator published by Crate?
Because leaving it out would make every other number on the page wrong, and because somebody who catches one flattering omission stops believing the pricing page as well. The rate is read from the same setting that charges it, so this page cannot quote a rate we do not charge.
Why does the monthly total not equal the per-order figure times my order count?
For the processor and platform fees it does exactly. It does not for settlement fees, which are charged per payout rather than per order, so they scale with how often you settle rather than with how much you sell.
Are these processor rates current?
Each rate carries the date it was read and a link to the card it was read from, and the page prints the oldest of those dates. If the date looks old, follow the link. We would rather show you a date you can judge than a claim that the rates are current.
Do you store what I type here?
No. Nothing is sent anywhere, nothing is saved and no account is involved. The numbers live in the address bar, which is also how you share a result with somebody.
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Crate shows you the fee, the payout and the margin on every order as it happens, in your own currency.
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