Merchant processing fees are the costs charged by payment providers (Stripe, PayPal, Shopify Payments) to process customer payments.Documentation Index
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What Are Merchant Processing Fees?
These fees typically include:- Transaction fees: Percentage of transaction (e.g., 2.9%)
- Fixed fees: Per-transaction fee (e.g., $0.30)
- Gateway fees: Monthly/per-transaction gateway costs
- Chargeback fees: Fees for disputed transactions
Processing fees vary by payment method. Credit cards typically cost more than ACH/bank transfers.
Where Processing Fees Appear
| Module | Usage |
|---|---|
| Executive Summary | Contribution margin calculation |
| Orders Deep Dive | Order-level profitability |
| P&L Reports | Operating cost line item |
Common Fee Structures
| Provider | Typical Rate |
|---|---|
| Shopify Payments | 2.4-2.9% + $0.30 |
| Stripe | 2.9% + $0.30 |
| PayPal | 2.9% + $0.49 |
| Shop Pay | 2.4-2.6% + $0.30 |
Setting Up Processing Fees
Calculate blended rate
Review payment provider statements to find your average rate across all payment methods
Related Resources
Set up processing fees
Step-by-step setup guide
Contribution margin
How processing fees affect contribution margin