Egypt Payment Fee Calculator
Calculate exact transaction fees, statutory 14% VAT deductions, and gross-up invoices in EGP.
Itemized Fee + Tax Breakdown
Client Invoice Message Generator (Egypt)
Egypt Payment Processing & VAT Guide (2026)
In Egypt (جمهورية مصر العربية), online commerce and point-of-sale payments rely on specialized national payment rails alongside global card networks. Whether routing domestic debit transactions or processing corporate invoices in EGP, understanding statutory fee structures and government Value Added Tax (Egyptian Tax Authority (14% ETA VAT)) is critical for accurate financial reconciliation.
Unlike generic calculators, FeeFlow’s Middle East Engine incorporates regional regulatory mandates, including transaction fee ceilings (such as the Mada 40 SAR ceiling in Saudi Arabia), 3-decimal currencies (KWD, BHD, OMR), and exact 14% statutory fee VAT withholding calculations.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Frequently Asked Questions (Egypt)
8 High-Value AnswersWhat is Fawry and why is it Egypt's largest payment network?
Fawry is Egypt's leading electronic payment giant with over 47 million active users and 300,000+ retail merchant POS locations nationwide. In an economy where cash remains significant, Fawry allows online buyers to generate a reference code at checkout and pay in cash at any neighborhood kiosk, grocery store, or via the myFawry mobile wallet.
What is Meeza card and what are its fees in Egypt?
Meeza is Egypt’s national payment card initiative governed by the Central Bank of Egypt (CBE). Over 30 million Meeza cards have been issued to government employees, pensioners, and banked citizens. Online transaction fees for Meeza cards are heavily subsidized, typically costing just 0.50% to 0.75% + 2.00 EGP.
How does 14% Egyptian VAT apply to gateway fees?
Under the Egyptian Tax Authority (ETA) law, payment aggregators (Paymob, Fawry, Kashier, Cowpay) must levy 14% Value Added Tax (VAT) on their merchant service fee commission. If a gateway charges 100 EGP in transaction fees, 14 EGP in VAT is added, totaling 114 EGP deducted from payout.
How do I calculate a Gross-Up invoice in Egypt including 14% VAT?
To receive exactly 1,000 EGP net on a 2.75% + 3.00 EGP card payment with 14% VAT: Gross = (1,000 + (3.00 * 1.14)) / (1 - (0.0275 * 1.14)) = 1,036.03 EGP. Charging 1,036.03 EGP guarantees you receive exactly 1,000.00 EGP in your bank account.
What mobile wallets (Smart Wallets) operate in Egypt?
Mobile telecom wallets—including Vodafone Cash, Orange Money, Etisalat Cash, and bank-backed wallets (CIB Smart Wallet, BM Wallet, NBE PhoneCash)—operate on the Meeza Digital interbank switch. Gateway processing fees for mobile wallets typically range between 1.50% and 2.00% + 2.00 EGP.
What settlement timeline do Egyptian payment gateways provide?
Egyptian payment gateways (Paymob, Kashier, Fawry) typically settle funds into Egyptian commercial bank accounts on a T+2 to T+4 business day rolling schedule (Sunday through Thursday).
How does valU and Souhoola BNPL financing operate in Egypt?
valU (EFG Hermes) is Egypt's market-leading consumer installment platform. Merchants pay a 4.0% to 5.5% + 5.00 EGP merchant fee, enabling customers to pay in up to 60 monthly installments with instantaneous digital credit approval.
Can Egyptian freelancers accept international payments via Paymob?
Yes. Paymob supports foreign card acceptance in USD, EUR, and GBP, settling converted funds in Egyptian Pounds or foreign currency bank accounts subject to CBE foreign exchange regulations.