Afterpay Fee Calculator
How to Use This Calculator
- 1
Enter the order value
Type the gross amount in Order Amount ($), before the merchant fee is deducted.
- 2
Set the fee terms and order count
Enter Afterpay Fee Rate (%) and Fixed Fee Per Transaction ($) from your merchant agreement, then set Number of Orders.
- 3
Review per-order and total results
Compare Net Per Order with Total Fee Per Order, then check Total Net Revenue and the Pay-in-4 installment breakdown. The installment amounts do not change the fee calculation.
Example Calculation
A merchant estimates the proceeds from one $100 order using a 6% percentage fee and a $0.30 fixed fee.
Order Amount ($)
100
Number of Orders
1
Afterpay Fee Rate (%)
6
Fixed Fee Per Transaction ($)
0.30
Results
Net Per Order
$93.70
Total Fee Per Order
$6.30 (6.30%)
Effective Fee Rate
6.30%
Total Net Revenue
$93.70
Total Fees Paid
$6.30
Net Per Installment
$23.43
Insights card shows gross, fee, and net amounts for each of the four installments.
Tips
The fixed fee has a larger percentage impact on small orders
Change Order Amount from $100 to $25 with the same 6% rate and $0.30 fixed fee. The fee becomes $1.80, or 7.20% of the order, rather than 6.30%.
A larger basket spreads the fixed fee across more sales value
Change Order Amount from $100 to $250 while keeping the same fee terms. The fee is $15.30, so its effective rate falls to 6.12%.
Order volume scales total fees and revenue
Change Number of Orders from 1 to 100 at the default order value. The estimate becomes $630 in fees and $9,370 in net revenue before refunds, chargebacks, or other costs.
What this calculator estimates
An Afterpay merchant fee is the fee charged for processing an order through the service. This calculator estimates the fee from the percentage rate and fixed transaction charge you enter; it does not verify current contract pricing or model refunds, chargebacks, taxes, or settlement timing.
How the fee calculation works
Percentage fee = Order amount × Fee rate
Total fee per order = Percentage fee + Fixed fee per transaction
Net per order = Order amount − Total fee per order
Total fees = Total fee per order × Number of orders
Total net revenue = Net per order × Number of orders
Effective fee rate = Total fee per order / Order amount × 100
For a $100 order, the percentage portion is $100 × 0.06 = $6. The fixed fee adds $0.30, making the total fee $6.30. Net proceeds are $100 − $6.30 = $93.70, and the effective fee rate is $6.30 ÷ $100 × 100 = 6.30%.
The Pay-in-4 display divides the gross order and estimated net proceeds into four equal portions. The estimated net amount per installment is $93.70 ÷ 4 = $23.425, displayed to the nearest cent as $23.43. This is a mathematical allocation, not a statement about merchant settlement.
How order size affects the effective fee
The fixed charge matters more as a percentage of a small sale. The comparison below keeps the percentage rate at 6% and the fixed fee at $0.30.
| Order amount | Percentage fee | Fixed fee | Total fee | Effective fee rate | Net per order |
|---|---|---|---|---|---|
| $25 | $1.50 | $0.30 | $1.80 | 7.20% | $23.20 |
| $100 | $6.00 | $0.30 | $6.30 | 6.30% | $93.70 |
| $250 | $15.00 | $0.30 | $15.30 | 6.12% | $234.70 |
If the fee makes low-priced products unprofitable, test a higher average order value or compare another payment method’s full fee schedule. Do not assume that raising prices by the fee percentage will preserve margin: the fixed charge and any other transaction costs also affect the result.
Check the agreement before comparing providers
Use the exact percentage and fixed fee in your merchant agreement. Confirm whether the quoted rate applies to the full transaction, how refunds are handled, and when funds are settled. This estimate is useful for comparing fee scenarios, but it does not determine whether accepting a payment option increases sales enough to offset its cost.
Compare other payment processors with the Square fee calculator, PayPal fee calculator, or Shopify fee calculator. For a different buy-now-pay-later provider, use the Affirm fee calculator.
When to use a different calculator
- Estimate processing costs for Square transactions → Square fee calculator
- Compare PayPal transaction fees and proceeds → PayPal fee calculator
- Estimate Shopify transaction fees → Shopify fee calculator
- Compare a different buy-now-pay-later merchant fee → Affirm fee calculator
Frequently Asked Questions
How does this Afterpay fee calculator work?
It estimates the merchant fee as the order amount multiplied by the percentage fee, plus the fixed fee per transaction. It then subtracts that fee from the gross order amount to estimate net proceeds.
Does the customer pay the merchant fee?
This calculator treats the fee as a merchant expense deducted from the sale proceeds, not as an extra customer charge. Check your merchant agreement for the actual fee treatment and settlement details.
Are Afterpay merchant fees always 6% plus $0.30?
No, the rate in the calculator is an editable assumption, not a guaranteed or universal Afterpay price. Enter the rate and fixed fee from your current merchant agreement because pricing can vary by merchant and contract.
Does the installment breakdown mean the merchant receives four separate payments?
No, the breakdown divides the order into four customer installments for illustration; it does not model the merchant’s settlement schedule. Settlement timing, reserves, refunds, and chargebacks depend on your agreement.
How should I compare this fee with other payment options?
Compare the total fee and net proceeds for the same order size and order count, then include any other processing costs and conversion effects in your decision. The U.S. Small Business Administration’s guide to managing business finances covers cash-flow tracking that can help you monitor payment costs.