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Calcimator

Payment Gateway Comparison Calculator

Feature and cost comparison across payment gateways.

Inputs

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%
%
%
%

Results

Gateway A monthly cost

$4,025.00

≈ 4 smartphones

Gateway B monthly cost

$4,210.00

≈ 4 smartphones

Monthly savings$185.00
Annual savings$2,220.00
Gateway A effective rate (%)4.03%
Gateway B effective rate (%)4.21%
Break-even transaction size ($)$61.29
Cheaper gateway (1=A, 2=B)1
Avg Transaction Size33.33
How to Use This Calculator
  1. Enter Monthly volume ($), Monthly transactions, and International (%).
  2. Set Gateway A rate (%), Gateway A fixed ($), and Gateway A monthly ($).
  3. Adjust Gateway A intl surcharge (%), Gateway B rate (%) as needed.
  4. Review Gateway A monthly cost ($) and Gateway B monthly cost ($).
  5. Use Monthly savings ($) and Annual savings ($) to inform your decision.

How the result changes with Monthly volume ($)

Monthly volume ($)Gateway A monthly costGateway B monthly cost
10,000,000$313,400.00$275,470.00
35,000,000$1,094,650.00$960,470.00
65,000,000$2,032,150.00$1,782,470.00
90,000,000$2,813,400.00$2,467,470.00

What each input means

Monthly volume ($)
Total monthly payment processing volume in dollars.
Monthly transactions
Total number of transactions processed per month.
International (%)
Percentage of transactions from international cards.
Gateway A rate (%)
Gateway A percentage fee (e.g., Stripe: 2.9%).
Gateway A fixed ($)
Gateway A fixed per-transaction fee (e.g., Stripe: $0.30).
Gateway A monthly ($)
Gateway A monthly subscription/platform fee.
Gateway A intl surcharge (%)
Additional percentage charged for international cards (Stripe: +1.5%).
Gateway B rate (%)
Gateway B percentage fee (e.g., PayPal: 2.59%).
Gateway B fixed ($)
Gateway B fixed per-transaction fee (e.g., PayPal: $0.49).
Gateway B monthly ($)
Gateway B monthly subscription/platform fee.
Gateway B intl surcharge (%)
Gateway B additional international card surcharge.

What each result means

Gateway A monthly cost
Total monthly cost for Gateway A including all fees and surcharges.
Gateway B monthly cost
Total monthly cost for Gateway B including all fees and surcharges.
Monthly savings
Monthly cost difference between the two gateways.
Annual savings
Annual cost difference between the two gateways.
Gateway A effective rate (%)
Gateway A all-in cost as a percentage of total volume.
Gateway B effective rate (%)
Gateway B all-in cost as a percentage of total volume.
Break-even transaction size ($)
Transaction size at which both gateways cost the same. Below this, lower fixed fee wins; above, lower percentage wins.
Cheaper gateway (1=A, 2=B)
Which gateway is cheaper for your volume: 1 = Gateway A, 2 = Gateway B, 0 = tied.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Monthly volume ($) = 100000, Monthly transactions = 3000, International (%) = 15, Gateway A rate (%) = 2.9 = 11 input(s) provided
  2. Calculate Gateway A monthly cost
    Gateway A monthly cost = aDomesticProcessing + aIntlProcessing + gatewayAMonthly
    4025 = $4,025
  3. Calculate Gateway B monthly cost
    Gateway B monthly cost = bDomesticProcessing + bIntlProcessing + gatewayBMonthly
    4210 = $4,210
  4. Calculate Monthly savings
    Monthly savings = Math
    185 = $185
  5. Calculate Annual savings
    Annual savings = Math
    2220 = $2,220

Engine last updated .

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