How to Use This Calculator
- 1
Enter your sale or charge amount
Input the full transaction value in U.S. dollars before any fees are applied.
- 2
Enter the number of transactions
Specify how many transactions at this amount you want to calculate totals for. Default is 1.
- 3
Select your 2Checkout plan
Choose from 2Sell (3.5% + $0.35), 2Subscribe (4.5% + $0.45), or 2Monetize (6.0% + $0.60).
- 4
Review your results
The calculator displays six results: You Receive (net per transaction), 2Checkout Fee, Effective Fee Rate, Charge to Net Your Amount (break-even), Total Fees, and Total Net Revenue. The insights section compares fees across all three plans.
Example Calculation
A software developer processes a $299 sale through 2Checkout on the 2Sell plan and wants to know the exact fees and net payout.
Sale / Charge Amount ($)
299
Number of Transactions
1
2Checkout Plan
2Sell — 3.5% + $0.35
Results
You Receive
$288.19, 2Checkout Fee: $10.82, Effective Fee Rate: 3.62%, Charge to Net Your Amount: $310.21, Total Fees: $10.82, Total Net Revenue: $288.19
Tips
Compare Plans Before Committing
Use the Plan Comparison insight to see fees across all three plans. For a $299 sale, 2Sell charges $10.82 while 2Monetize charges $18.54 — that's $7.72 more per transaction. Only upgrade plans if you genuinely need the extra features.
Pass Fees to Customers When Appropriate
The Charge to Net Your Amount result shows the break-even price. For a $299 product on 2Sell, charge $310.21 to net exactly $299 after fees. This is common for B2B software and consulting services.
Watch Currency Conversion Costs
If selling internationally, 2Checkout applies an additional 2–5% currency exchange markup on top of transaction fees. Factor this into your pricing for non-USD transactions.
Negotiate at Volume
Merchants processing over $50,000/month may qualify for custom rates below the standard 3.5% + $0.35. Even a 0.5% reduction on $50,000 in monthly volume saves $250/month ($3,000/year).
The 2Checkout Fee Calculator helps merchants determine the exact cost of processing payments through 2Checkout (now Verifone).
By entering a charge amount and selecting a plan, you can see your net payout, effective fee rate, and break-even price in seconds.
For example, a $299 sale on the 2Sell plan incurs a $10.82 fee (3.62% effective rate), leaving $288.19 net — and you'd need to charge $310.21 to fully cover the fees.
How 2Checkout Fees Are Calculated
2Checkout (now Verifone) charges a percentage of the transaction amount plus a fixed per-transaction fee.
The three plans are:
| Plan | Percentage Rate | Fixed Fee | Best For |
|---|---|---|---|
| 2Sell | 3.5% | $0.35 | Standard online sales |
| 2Subscribe | 4.5% | $0.45 | Recurring/subscription billing |
| 2Monetize | 6.0% | $0.60 | Digital goods with full service |
The core formulas are:
2Checkout Fee = (Charge Amount × Rate) + Fixed Fee
Net Payout = Charge Amount − 2Checkout Fee
Effective Fee Rate = (2Checkout Fee / Charge Amount) × 100
Charge to Net Your Amount = (Desired Amount + Fixed Fee) / (1 − Rate)
Total Fees = Fee per Transaction × Number of Transactions
Total Net Revenue = Net per Transaction × Number of Transactions
The "Charge to Net Your Amount" formula solves for the break-even price — how much you need to charge so that after fees, you receive your desired amount.
Worked Example: Calculating Fees for a $299 Sale
A software developer sells a digital course for $299 through their website using the 2Sell plan (3.5% + $0.35).
Step 1: Calculate the percentage fee. $299 × 0.035 = $10.465
Step 2: Add the fixed fee. $10.465 + $0.35 = $10.815
Step 3: Determine the total 2Checkout fee. Rounded to 2 decimal places: $10.82
Step 4: Calculate net payout. $299 − $10.815 = $288.19
Step 5: Find the effective fee rate. ($10.815 / $299) × 100 = 3.62%
Step 6: Calculate the break-even charge. ($299 + $0.35) / (1 − 0.035) = $299.35 / 0.965 = $310.21
For a $299 sale on the 2Sell plan, the fee is $10.82, net payout is $288.19 (96.4% retained), and you'd need to charge $310.21 to fully cover the fees.
How Transaction Size Affects Your Effective Rate
The fixed fee component ($0.35–$0.60) means smaller transactions carry a disproportionately higher effective rate.
Here's how the 2Sell plan (3.5% + $0.35) scales:
| Charge Amount | Fee | Effective Rate | Net Retained |
|---|---|---|---|
| $10 | $0.70 | 7.00% | 93.0% |
| $25 | $1.23 | 4.90% | 95.1% |
| $50 | $2.10 | 4.20% | 95.8% |
| $100 | $3.85 | 3.85% | 96.2% |
| $299 | $10.82 | 3.62% | 96.4% |
| $500 | $17.85 | 3.57% | 96.4% |
| $1,000 | $35.35 | 3.54% | 96.5% |
For micro-transactions under $10, the effective rate can exceed 7%, making 2Checkout less cost-effective for very small sales.
Businesses with low average order values should consider this when choosing a payment processor.
Scaling Costs Across Transaction Volume
Understanding how fees compound at scale is critical for profitability.
For a business processing $10,000 in monthly sales with 100 transactions averaging $100 each on the 2Sell plan:
- Per-transaction fee: $100 × 0.035 + $0.35 = $3.85
- Total monthly fees: $3.85 × 100 = $385
- Monthly net revenue: $10,000 − $385 = $9,615 (96.2% retained)
At $50,000/month with 500 transactions:
- Total monthly fees: $3.85 × 500 = $1,925
- Monthly net revenue: $50,000 − $1,925 = $48,075 (96.2% retained)
At this volume, even a 0.5% rate reduction (from 3.5% to 3.0%) would save $250/month or $3,000/year — well worth negotiating with 2Checkout's sales team.
Frequently Asked Questions
What are the standard 2Checkout fee rates?
2Checkout (now Verifone) offers three plans: 2Sell at 3.5% + $0.35 for standard online sales, 2Subscribe at 4.5% + $0.45 for recurring/subscription billing, and 2Monetize at 6.0% + $0.60 for digital goods with full-service features including tax management and subscription lifecycle.
How does 2Checkout compare to Stripe or PayPal?
2Checkout's 2Sell plan at 3.5% + $0.35 is slightly higher than Stripe (2.9% + $0.30) or PayPal (2.9% + $0.30) for domestic transactions. However, 2Checkout includes comprehensive international payment processing, 45+ payment methods, and built-in tax/compliance management — features that cost extra with other processors.
How do I calculate the break-even price to cover fees?
Use the formula: Charge = (Desired Amount + Fixed Fee) / (1 − Rate). For example, to net $299 on the 2Sell plan: ($299 + $0.35) / (1 − 0.035) = $299.35 / 0.965 = $310.21. You need to charge $310.21 so that after the $10.82 fee, you receive exactly $299.
Are there additional fees beyond the transaction charge?
Yes, 2Checkout may apply fees for currency conversion (2–5% markup), chargebacks ($20–$40 per incident), and certain optional services like advanced fraud protection. These are separate from the standard per-transaction fee.
Does the effective fee rate change with transaction size?
Yes. Because of the fixed fee component ($0.35 on 2Sell), smaller transactions have a higher effective rate. A $10 charge has a 7.0% effective rate ($0.70 fee), while a $1,000 charge has only a 3.54% effective rate ($35.35 fee). Higher-value transactions are more cost-efficient.
Can I negotiate lower 2Checkout rates?
Yes, merchants processing over $50,000/month typically qualify for negotiated rates. Contact 2Checkout's sales team with your monthly volume data. Even a small rate reduction compounds significantly across thousands of transactions.