Free calculator
Transaction cost calculator
This free transaction cost calculator shows what online payments cost you per month. Choose a payment method such as iDEAL, Wero, cards or PayPal, enter your number of orders and the average order amount, and compare the Online Store Starter and Grow packages side by side.
Free, no account needed
What do online payments cost my shop?
Most payment methods charge a fixed amount per transaction, and cards add a percentage of the order amount on top. With SitePack Payments an iDEAL payment costs €0.25 on Starter and €0.22 on Grow, and an EU consumer card payment €0.25 + 1.80% or €0.20 + 1.65%, all excluding VAT. The calculator adds the package price, so you see your real monthly total and which package is cheaper for you.
What the calculator works out
You choose one payment method and enter two numbers: transactions per month and the average amount per order. The calculator then shows two cards, one for Online Store Starter (€25 per month) and one for Online Store Grow (€75 per month), both billed yearly.
- Transaction costs per month, plus the cost per single transaction
- The package price per month
- The total per month: transaction costs plus package
- Which package is cheapest for your numbers
- From how many transactions per month Grow becomes cheaper, if that point is above your current volume
How to read the result
The card marked green is the cheapest package for the numbers you entered. For most new shops that is Starter, because Grow costs €50 more per month and its lower rates only save a few cents per payment.
The break-even line tells you when that changes. For iDEAL the difference is €0.03 per payment, so Grow only pays off from about 1,667 iDEAL payments per month. For EU consumer cards the percentage matters as well: with an average order of €45, Grow becomes cheaper from about 426 card payments per month.
All amounts exclude VAT and come from the same price list as the SitePack Payments page, so they always match.
Common mistakes when comparing payment costs
- Looking only at the fixed fee and forgetting the percentage on card payments
- Using your best month instead of an average month
- Calculating with one payment method while customers use a mix
- Forgetting costs outside the transaction itself, such as payouts, refunds and chargebacks
- Comparing prices with VAT to prices without VAT
What to do next
Run the calculator once for each payment method your customers use, with the share of orders each one gets. Add the results to get a realistic monthly figure. Payouts to your bank account are not in the calculator: with SitePack Payments a payout costs €0.35, or €0.32 on Grow.
If your volume is close to the break-even point, start on Starter. You can switch to Grow when your numbers grow.
How to use the transaction cost calculator
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Choose the payment method
Pick iDEAL, Wero, Bancontact, cards, PayPal, SEPA direct debit or another method from the list.
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Enter your transactions
Fill in how many payments you expect per month with that method.
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Enter the average order amount
Enter the average amount per order in euros. This matters for methods with a percentage.
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Compare the packages
See the monthly total for Starter and Grow, the cheapest option and the break-even point.
Questions about transaction costs
Are the rates including VAT?
No. All rates and package prices in the calculator exclude VAT.
Is there a monthly fee for SitePack Payments?
The calculator counts the package price of your online store, which is €25 per month for Starter and €75 for Grow, billed yearly. The transaction costs come on top of that.
Why are card payments more expensive than iDEAL or Wero?
Card payments carry a percentage on top of the fixed fee, so the cost grows with the order amount. iDEAL and Wero up to €50 have a fixed fee only.
What does a payout cost?
A payout to your bank account costs €0.35 on Starter and €0.32 on Grow, excluding VAT. It is not part of this calculator.
Which payment methods can I offer?
The list in the calculator shows the methods with their rates, including iDEAL, Wero, Bancontact, Visa and Mastercard, American Express, PayPal and SEPA direct debit.
Related tools and guides
Accept payments in your own online store
Start an online store with SitePack from €25 per month, billed yearly, with SitePack Payments built in. Try it free for 14 days without payment details.