Wix eCommerce Fee Calculator
Calculate 0.0% platform transaction fees, native Wix Payments processing (2.9% + $0.30), third-party gateway splits, and net merchant margins.
Wix never charges an extra transaction fee on eCommerce plans.
Direct unified payouts with Apple Pay, Google Pay, & BNPL.
Free integration with PayPal, Stripe, and Point of Sale hardware.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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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)
Wix eCommerce Plan Matrix (All 0% Platform Fees)
| Wix Plan | Monthly Cost (Annual) | Platform Commission | Wix Payments Processing |
|---|---|---|---|
| Core Plan | $29.00 / month | 0.0% | 2.9% + $0.30 |
| Business Plan | $36.00 / month | 0.0% | 2.9% + $0.30 |
| Business Elite | $159.00 / month | 0.0% | Custom volume rates |
Wix Fee Architecture & Cost Breakdown (2026)
Understanding payment deductions on Wix requires evaluating fixed per-transaction fees, percentage processing cuts, and platform commissions:
Bank transfer rail with strict dollar fee caps, saving thousands on large corporate contracts.
Standard credit card acceptance on invoices for clients prioritizing points or corporate cards.
Optional fee to transfer invoice proceeds to your debit card within 30 minutes instead of 2-day bank clearing.
Mathematical Profit & Breakeven Derivations
Setting selling prices without accounting for blended transaction deductions causes margin erosion. Use this algebraic gross-up formula:
Reverses payment processing deductions so the client covers fees and you receive 100% of your consulting contract.
Strategic Margin Defense: 4 Protocols for Wix
Implement these operational treasury tactics to maximize net take-home earnings:
Incentivize ACH on Invoices Above $500: Leverage the $5-$10 fee cap to save 90%+ compared to credit card processing.
Add Gross-Up Surcharges for Credit Cards: Specify in contract payment terms that card payments incur a 3% processing convenience fee.
Automate Weekly Late Payment Reminders: Trigger automated invoice reminders to accelerate DSO (Days Sales Outstanding).
Disable Instant Payout Options: Rely on standard 2-day ACH settlement to eliminate the 1.5% instant transfer penalty.
Frequently Asked Questions
What are Wix eCommerce plans and transaction fees in 2026? ▼
Wix eCommerce plans include: Core ($29/mo), Business ($36/mo), Business Elite ($159/mo), and Enterprise. Wix charges 0% platform transaction fees on its store plans. Credit card processing via Wix Payments is 2.9% + $0.30 for standard US transactions.
What are Wix Payments processing rates across different countries? ▼
Wix Payments charges: 2.9% + $0.30 USD in the US; 2.1% + 20p in the UK; 1.9% + €0.30 in the Eurozone; and 1.9% + $0.30 CAD in Canada.
Does Wix charge penalty fees for using third-party payment gateways like Stripe or PayPal? ▼
No. Wix does not charge third-party gateway penalty fees. You can connect Stripe, PayPal, Square, or Point-of-Sale gateways with 0% added commission from Wix.
What payment methods are supported through Wix Payments checkout? ▼
Wix Payments accepts credit/debit cards, Apple Pay, Google Pay, Point-of-Sale card readers, and Buy Now, Pay Later (BNPL) options including Affirm, Afterpay, and Klarna.
What are the chargeback dispute fees on Wix Payments? ▼
If a customer files a chargeback dispute through their card-issuing bank, Wix Payments assesses a $15.00 USD dispute fee. If you submit evidence and win the dispute, the $15 fee is refunded.
What are Wix Payments payout schedules and bank deposit timelines? ▼
Wix Payments disburses sales proceeds on a 2 to 3 business day rolling schedule directly into your commercial bank account, with options for daily, weekly, or monthly payout batches.
How does automated sales tax work on Wix eCommerce stores? ▼
Wix partners with Avalara AvaTax to provide 100 to 500 automated tax transactions per month (included on Business plans), calculating state, county, and city sales tax automatically.
How do I calculate total deductions on a $100 sale on a Wix store via Wix Payments? ▼
Wix platform fee = $0 (0%). Wix Payments processing (2.9% + $0.30) = $3.20. Net payout received by merchant = $96.80.