Merchant Gateway Fee & Net Take-Home Calculator
Calculate your exact net revenue and processing drag across Stripe, Lemon Squeezy, Paddle, and Shopify Payments factoring in interchange, international cross-border fees, currency conversion, and chargeback dispute reserves.
Compare Empirical Gateway Terms
Explore contract schedules and global tax compliance capabilities in the Merchant Gateways Benchmark Table ↗.
Calculation Formulas & Models
Every metric on FoxyData is deterministic, transparent, and auditable. Below are the algebraic definition and equivalent spreadsheet formula.
Net Take-Home = Gross Volume - (Gross Volume × MDR%) - (Transactions × Per-Tx Fee) - (International Volume × Cross-Border%) - (Foreign Volume × FX Spread%) - (Disputes × Dispute Fee) - Monthly Platform Fee
Evaluated client-side in floating-point arithmetic with strict zero-division and boundary guards.
= Gross - (Gross * P_mdr) - (ROUNDUP(Gross / Ticket, 0) * Fee_fixed) - (Gross * P_intl * P_xb) - (Gross * P_fx * P_fx_spread) - (ROUNDUP(Gross / Ticket, 0) * P_cb * Fee_dispute) - Fee_monthly
Drop-in formula for financial models, cost forecasting spreadsheets, and ERP analysis.
Frequently Asked Questions
Empirical engineering and financial explanations based on contractual rate sheets and production benchmarks.
What is the primary difference between a Payment Service Provider (PSP) and a Merchant of Record (MoR)?
A PSP like Stripe acts as a payment facilitator: you maintain the legal merchant account, handle global sales tax/VAT compliance, and bear direct liability for fraud. An MoR like Lemon Squeezy or Paddle becomes the legal reseller of your digital products, automatically collecting and remitting global sales tax/VAT, managing chargebacks, and shielding you from foreign tax registration filings in exchange for a higher headline take-rate (typically 5% + $0.50).
How do international cross-border and FX fees impact merchant take-home margins?
When an overseas customer purchases using a foreign-issued card, processors add an international interchange surcharge (typically 1.0% to 1.5%). Furthermore, if settlement occurs in a different currency, an FX spread fee (typically 1.0% to 2.0%) is deducted. On a $100 international sale, a nominal 2.9% fee easily expands to 5.4% in effective processing drag.
What chargeback threshold triggers penalty programs with Visa and Mastercard?
Visa (VAMP) and Mastercard (VDMP) monitor dispute-to-transaction ratios. Crossing 0.90% to 1.00% dispute rate places a merchant into excessive chargeback monitoring programs, leading to mandatory dispute assessment fines of $50 to $100 per chargeback, mandatory remediation plans, and potential account termination.
Streamline Cross-Border B2B Payments & Invoicing Rails
Eliminate high merchant gateway take-rates and wire processing friction with verified ACH, digital checks, and direct multi-rail business disbursements.
Explore B2B Payment Rails →