Stop Losing Margins
to Hidden Payment Fees.

FeeFlow is an enterprise-grade, 100% free financial calculation platform engineered for freelancers, digital agencies, SaaS companies, and global ecommerce merchants. It computes exact transaction deductions, interchange rates, statutory VAT/taxes, foreign exchange spreads, and gross-up invoice totals across 50+ countries. Supported gateways include Stripe, PayPal, Square, Braintree Direct, Mercado Pago (Pix 0.99%), Mollie (iDEAL €0.29), Paystack (₦2,000 cap), PayMongo (GCash), Przelewy24 (BLIK), Xendit (QRIS), KOMOJU, Conekta, and national rails across the Middle East (Mada, KNET, Fawry).

A Gross-Up calculation determines the precise gross total you must invoice a client so that after payment processor percentage deductions and fixed fees are subtracted, you receive 100% of your target net revenue. Many merchants mistakenly add 2.9% to their target price (e.g. billing $1,029.00 to receive $1,000.00). However, the payment gateway deducts 2.9% from the new $1,029.00 total plus $0.30 fixed fee ($30.14 deduction), leaving the merchant with only $998.86. FeeFlow solves this using the Inversion Formula: Gross = (Target Net + Fixed Fee) / (1 - Rate), ensuring you bill exactly $1,030.18 to take home $1,000.00.

Payment gateway pricing varies significantly by geographic regulatory frameworks. In the United States and Canada, standard online card rates average 2.90% + $0.30 due to higher interchange interchange fee caps. In the European Union and UK, interchange caps keep domestic European card processing low at 1.40% to 1.50% + €0.25. In Latin America (Brazil, Mexico), card processing ranges from 3.49% to 4.99%, but local instant payment rails like Pix (0.99%) provide near-zero friction. In the Middle East, government-mandated debit networks like Saudi Mada cap fees at 0.80% (max SAR 40), while Kuwait KNET charges low flat debit tariffs.

Beyond base domestic processing rates, merchants frequently encounter four hidden fee layers: (1) International Card Assessment Surcharges (+1.0% to +2.0% on foreign cards); (2) Foreign Exchange (FX) Conversion Spreads (+1.0% to +4.0% above the wholesale interbank rate when settling in foreign currencies); (3) Non-Refundable Processing Fees (card network rules retain processing fees when issuing customer refunds); and (4) Dispute & Chargeback Fees ($15.00 to $20.00 per formal customer contestation regardless of transaction value).

Alternative Payment Methods (APMs) connect directly to national banking networks rather than international card rails (Visa/Mastercard). APMs offer three major advantages: (1) Substantially lower processing fees (e.g. Dutch iDEAL costs a flat ~€0.29 vs 1.5%–3.0% for credit cards, and Indonesian QRIS is 0.70%); (2) Elimination of chargeback fraud (bank-to-bank transfers cannot be dishonestly contested); and (3) Vastly higher checkout conversion in cash-dominant or bank-transfer-first economies (such as Poland, Brazil, Germany, and Mexico).

Yes. Payment gateway processing fees, merchant discount rates (MDR), interchange charges, and platform transaction fees are 100% tax-deductible as ordinary and necessary operating business expenses (Cost of Goods Sold or Financial Processing Expenses). When filing taxes, businesses report total gross receipts on their revenue line and claim gateway deductions on the expense line to reduce overall net taxable business profit. In jurisdictions with VAT or GST (such as India 18% GST or Mexico 16% SAT IVA), statutory tax paid on administrative processing fees can often be claimed as an Input Tax Credit.

Under current global payment processor policies, when a merchant issues a full or partial refund, the payment gateway does not return the original fixed transaction fee or percentage processing fee. The customer receives 100% of their money back, and the merchant absorbs the processing fee as a loss. If a customer files a chargeback, the gateway immediately debits the disputed amount plus a non-refundable dispute fee ($15.00 for Stripe, $20.00 for PayPal). The fee is only reversed if the merchant submits convincing fulfillment evidence and wins the arbitration.

FeeFlow was built with a zero-data-monopolization architecture. All mathematical calculations, currency conversions, gross-up inversions, and local tax simulations execute entirely within your client web browser using lightweight JavaScript. No financial inputs, invoice numbers, or business revenues are ever transmitted to, logged by, or stored on FeeFlow servers. This ensures complete data privacy and native compliance with global data privacy frameworks including GDPR (EU), CCPA (California), LGPD (Brazil), DPDP Act (India), and PDPL (Saudi Arabia).