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Payout / Settlement Calculator

Net payout from gross card sales after fees, refunds, chargebacks and a reserve.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Gross sales − refunds − percentage and fixed fees − dispute fees − reserve held back. Estimate for planning only, based on the numbers you enter. Your bank or provider’s statement is the final word.

How to use it (step by step)

  1. 1Fill in the boxes: “Gross card sales”, “Number of payments”, “Percentage fee (%)”, “Fixed fee per payment”, “Refunds”, “Dispute fees”, “Reserve held (%)”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

Chargeback / dispute
When a customer asks their bank to reverse a payment. Too many hurt a business.
Gross vs net
Gross = the full amount before deductions. Net = what is left after fees, taxes or deductions.
Percentage
A part out of 100. 25% of 200 = 50.
DOCX (Word file)
The file type Microsoft Word, Google Docs and WPS use for editable documents.

More in Cards & Payments

Card Processing Fee CalculatorFee and net amount for a card payment with a percentage + fixed fee (and tax on fees).Fee Gross-Up Calculator (Charge to Receive)How much to charge so you receive an exact amount after card fees.Card Surcharge CalculatorAdd a card surcharge to a price, or find the surcharge that exactly covers your fee.Merchant Discount Rate (MDR) CalculatorMonthly MDR cost, tax on MDR and net settlement from your card sales.Interchange++ Fee CalculatorBreak a card fee into interchange, scheme fee and acquirer markup (IC++ pricing).Effective Processing Rate CalculatorYour real card-processing cost: total fees ÷ total card volume from your statement.