A 3% fee is not always a 3% problem.
When your gross margin is thin, a small payment fee can take a much larger share of the actual profit.
- Check fee impact on net profit
- Separate revenue from payout
- Spot weak product lines faster
Merchant fee impact calculator
Stop small fees becoming big margin leaks.
Payment processing, FX, withdrawal fees and marketplace costs can quietly turn a healthy sale into a thin one. Use this calculator to see the real payout, protect your target margin and price with confidence before you send a payment link.
Model processor, FX, payout and platform fees
Find the price increase needed to keep margin
Useful before QR, payment link or online checkout
Built for shops selling locally and worldwide
1 clear numberYour payout after payment and currency costs.
Target marginReverse-calculate the price you should charge.
Smart increaseShow whether 2%, 3% or 5% actually protects profit.
Merchant-readyBuilt for shops, galleries, hotels and sellers using payment links.
Embedded fee calculator
Test the price rise before the customer pays.
Use this embedded calculator to see how a small price increase changes the actual withdrawal amount after card processing, FX and payout fees. It is a quick way to decide whether a product needs a clean price adjustment before you send a payment link or QR checkout.
Why it matters
Fees are not just accounting. They change how you should sell.
A merchant can be busy, taking payments and still leaking profit. The safest pricing habit is to model the fee stack before the customer sees the final number.
International buyers need cleaner pricing.
FX, cross-border cards and withdrawal costs can stack up. Build those assumptions into the price rather than discovering them after payout.
- Model local and global buyers
- Protect prices before checkout
- Reduce awkward follow-up requests
Small pricing moves can look more professional.
Instead of adding a random surcharge, calculate a clean price that keeps margin and still feels natural to the customer.
- Round to sensible endings
- Bundle service and packaging where appropriate
- Keep your offer simple
Pigee for smarter merchant checkout
Quote, get paid and ship without guessing the margin.
Pigee helps merchants move from conversation to paid order with payment links, QR-ready checkout, shipping quotes, customs support and tracking. The more visible your costs are before checkout, the easier it is to protect profit without slowing down the sale.
Sell from the shop floorSend a payment link or let the buyer scan a QR code when they are ready to purchase.
Turn pricing into a habitUse fee modelling before promotions, seasonal offers or international campaigns.
Connect payment and deliveryBring product, payment, shipping, customs and tracking closer together in one flow.
Protect repeat salesClear pricing reduces post-sale surprises and makes it easier for customers to buy again.
Smart pricing playbook
Five ways to protect profit without scaring customers.
01
Price from net payout
Set prices using what you receive after fees, not the headline card payment amount.
02
Use price bands
Group products into pricing bands so customers see simple prices and your team avoids constant manual adjustments.
03
Round intelligently
If the calculator says £103.72, consider a clean £105 or £109 depending on demand, scarcity and perceived value.
04
Separate cost recovery from discounting
A discount should be a commercial decision, not an accidental giveaway caused by unpriced payment fees.
05
Review by buyer location
International transactions may carry different costs. Test the fee stack before running ads or accepting high-value overseas sales.
Use cases
Great for merchants selling beyond a normal checkout.
This page is especially useful when your sale happens in-store, by message, at an event or through a quote, and the price needs to include payment and delivery logic.
Tourist retailers
Help visitors buy larger items in-store and ship them home without destroying margin.
Art galleries
Price high-value sales with enough room for card costs, packaging, shipping admin and international buyer fees.
Hotels and concierge teams
Turn forgotten item returns and guest purchases into a priced service, not a favour that loses money.
Personal shoppers
Quote products, commission, payment fees and delivery in a way that makes each order worthwhile.
Useful answers
Questions merchants ask before changing prices.
Use the calculator as a decision tool. It is not accounting advice, but it gives your team a clearer way to price products, payment links and international orders.
Not always. In some markets, direct surcharging may be restricted or may feel clumsy. A better starting point is to set product prices that already reflect your real cost of selling, then keep checkout simple and transparent.
Fee impact shows how much the payment and payout costs remove from the sale. Profit margin shows what is left after fees and product costs. A sale can look healthy at the top line but weak after fees.
Model the payment method, FX cost, shipping quote, packaging, customs admin and refund risk before sending the payment link. High-value international orders often need different assumptions from local in-store sales.
Yes. Use Pigee to create a cleaner route from product interest to payment, shipping, customs information and tracking, especially when the sale starts in person, by chat or outside a normal ecommerce checkout.
Know your margin before you send the link.
Use the calculator, set a smarter product price, then create a Pigee account to sell, ship and track orders in a cleaner global flow.
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