Credit Card TerminalFee Calculator
(Debit, Credit & Installments)
Simulate card machine fees, calculate installments, and find out how much to charge to receive the desired net amount. Perfect for small businesses and sellers.
Net Amount to Receive
R$ 95,01
Amount to Charge Customer
R$ 100,00
Total Fees
R$ 4,99
Detailed Summary
See how much you receive in each installment scenario.
| Number of Installments | Fee (%) | Amount to Charge Customer | Net Amount to Receive |
|---|---|---|---|
| 1x | 5.50% | R$ 100,00 | R$ 94,50 |
| 2x | 7.00% | R$ 100,00 | R$ 93,00 |
| 3x | 8.50% | R$ 100,00 | R$ 91,50 |
| 4x | 10.00% | R$ 100,00 | R$ 90,00 |
| 5x | 11.50% | R$ 100,00 | R$ 88,50 |
| 6x | 13.00% | R$ 100,00 | R$ 87,00 |
| 7x | 14.50% | R$ 100,00 | R$ 85,50 |
| 8x | 16.00% | R$ 100,00 | R$ 84,00 |
| 9x | 17.50% | R$ 100,00 | R$ 82,50 |
| 10x | 19.00% | R$ 100,00 | R$ 81,00 |
| 11x | 20.50% | R$ 100,00 | R$ 79,50 |
| 12x | 22.00% | R$ 100,00 | R$ 78,00 |
Complete Guide: Mastering Card Machine Fees
Why use a Card Machine Fee Calculator?
Selling with a card is essential today, but fees can eat into your profit if you do not have control. Our calculator helps you visualize exactly how much each sale costs and, more importantly, how much you should charge the customer so you do not lose money.
Difference between Debit, Credit, and Installment Fees
Who pays the fee: Seller or Customer?
This is a strategic decision. At Mão na Roda, we allow you to simulate both scenarios: - Seller Pays: You absorb the fee cost as an operating cost. It is good for keeping the price competitive. - Customer Pays (Pass-through): You increase the sale amount so that, after the operators discount, you receive the original value.
Tips for paying lower card fees
About the Card Fee Calculator
Our tool was developed to help entrepreneurs, freelancers, and store owners have full control over their sales. With operator fees becoming increasingly complex, knowing exactly how much will hit your account is essential for your business's financial health. Our calculator supports both direct calculation (what is left) and reverse calculation (how much to charge to not lose profit).
Frequently Asked Questions
How does passing fees along to the customer work?
Passing along (reverse calculation) adjusts the total sale value so that, after the operator's discount, you receive exactly the amount you want. It is ideal for those who do not want to decrease their profit margin.
Are the calculator's fees the same as my machine's?
We use market average fees as default, but you can click on 'Configure My Fees' to enter the exact values you negotiated with your operator.
What is 'Credit Full Payment'?
It's a credit sale without installments. It usually has a lower fee than installments but higher than debit, and payment timing depends on your machine's plan.
Is it worth letting customers pay in installments?
It depends on your margin. Using our calculator, you can see the impact of fees up to 12x and decide whether you prefer to assume the cost or pass it on to close the sale.
How to Use the Calculator
Enter the sale amount or how much you want to receive.
Choose who will assume the bank fees.
Select the method and number of installments.
View the result in real-time and the comparison table.