2Checkout Fee Calculator
How to Use This Calculator
- 1
Enter your sale amount and transaction count
Input the full transaction value in U.S. dollars before fees. Set the number of transactions to see totals across multiple sales.
- 2
Select your 2Checkout plan
Choose from 2Sell (3.5% + $0.35), 2Subscribe (4.5% + $0.45), or 2Monetize (6.0% + $0.60). The insights panel compares fees across all three plans.
- 3
Review net revenue and break-even price
Results show your net payout, the fee amount, effective rate, and the price you'd need to charge to net your exact sale amount after fees.
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
Insights card shows plan comparison, break-even tip, and volume pricing note.
Tips
The 2Sell plan saves $7.72 per $299 sale vs 2Monetize
For a $299 sale, 2Sell charges $10.82 while 2Monetize charges $18.54. Only upgrade plans if you genuinely need the subscription management or tax compliance features — not for one-time digital sales.
Charge $310.21 to net exactly $299 on 2Sell
The break-even formula is (Desired Amount + Fixed Fee) / (1 − Rate). Pass the fee to customers when selling B2B software or consulting services where price transparency is less sensitive.
Small transactions get hit hardest by the fixed fee
A $10 sale on 2Sell has a 7.0% effective rate ($0.70 fee) vs only 3.54% on a $1,000 sale ($35.35 fee). If most of your sales are under $25, compare against processors with lower fixed fees.
How 2Checkout fees work
2Checkout charges a percentage of each transaction plus a fixed fee per transaction. The percentage and fixed fee depend on which plan you use. Net revenue is what's left after the fee is subtracted.
Fee = sale amount × plan rate + fixed fee
Net = sale amount − fee
For a $299 sale on the 2Sell plan: $299 × 0.035 + $0.35 = $10.82 in fees. You receive $299 − $10.82 = $288.19.
Fee comparison across plans
All three plans use the same formula but with different rates. Here's how they compare on common transaction amounts:
| Sale amount | 2Sell (3.5% + $0.35) | 2Subscribe (4.5% + $0.45) | 2Monetize (6.0% + $0.60) |
|---|---|---|---|
| $25 | $1.23 (4.90%) | $1.58 (6.30%) | $2.10 (8.40%) |
| $100 | $3.85 (3.85%) | $4.95 (4.95%) | $6.60 (6.60%) |
| $299 | $10.82 (3.62%) | $13.91 (4.65%) | $18.54 (6.20%) |
| $1,000 | $35.35 (3.54%) | $45.45 (4.55%) | $60.60 (6.06%) |
The effective rate in parentheses drops as the sale amount increases because the fixed fee becomes a smaller share of the total. Merchants selling low-priced items ($10–$25) should weigh whether the effective rate justifies 2Checkout over a processor with a lower fixed fee.
Break-even pricing formula
To pass fees to the customer and net an exact amount, use:
Charge = (desired net + fixed fee) / (1 − rate)
On 2Sell, to net $100: ($100 + $0.35) / (1 − 0.035) = $104.04. The $4.04 fee is absorbed by the customer. The calculator shows this as "Charge to Net Your Amount" for whatever sale price you enter.
When to use a different calculator
This calculator covers 2Checkout's three standard plans. For other payment processors:
- Stripe fees → Stripe fee calculator
- PayPal fees → PayPal calculator
- Square fees → Square fee calculator
- Shopify Payments → Shopify fee calculator
- Braintree fees → Braintree fee calculator
- Authorize.net fees → Authorize.net fee calculator
- Stripe vs PayPal head-to-head → PayPal vs Stripe comparison
Frequently Asked Questions
What are the current 2Checkout fee rates?
2Checkout (now Verifone) offers three plans: 2Sell at 3.5% + $0.35 per transaction for standard online sales, 2Subscribe at 4.5% + $0.45 for recurring and subscription billing, and 2Monetize at 6.0% + $0.60 for digital goods with full-service features including tax management and subscription lifecycle tools.
How does 2Checkout compare to Stripe or PayPal?
2Checkout's 2Sell plan at 3.5% + $0.35 is higher than Stripe (2.9% + $0.30) or PayPal (2.9% + $0.30) for domestic U.S. transactions. The premium covers built-in international payment processing, 45+ payment methods, and tax/compliance management that cost extra on other platforms. Use the [PayPal vs Stripe fee comparison calculator](/calculators/paypal-vs-stripe-fee-comparison-calculator/) to compare those two directly.
How do I calculate the break-even price to cover fees?
Divide the sum of your desired net amount plus the fixed fee by (1 minus the percentage rate). For 2Sell: ($299 + $0.35) / (1 − 0.035) = $310.21. Charging $310.21 means the $10.82 fee leaves you with exactly $299.
Are there additional fees beyond the transaction charge?
Yes. 2Checkout may apply currency conversion markups of 2–5% on non-USD transactions, chargeback fees of $20–$40 per incident, and charges for optional services like advanced fraud protection. These are separate from the standard per-transaction fee shown in this calculator.
Does the effective fee rate change with transaction size?
Yes. The fixed fee ($0.35 on 2Sell) has a larger impact on small transactions. A $10 charge has a 7.0% effective rate, while a $1,000 charge has only a 3.54% effective rate. This is why higher-value transactions are more cost-efficient on percentage-plus-fixed pricing.
Can I negotiate lower 2Checkout rates?
Merchants processing over $50,000/month typically qualify for custom rates. Even a 0.5% reduction on $50,000 in monthly volume saves $250/month ($3,000/year). Contact Verifone's sales team with your monthly volume and average transaction size.