Gross‑Up Calculator
Calculate exactly what to charge so you receive the full amount after credit card processing fees.
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Amount to charge
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How this works
You can't just add the fee percentage on top of your invoice — the CC company charges fees on the total amount including the surcharge itself. This creates a circular problem.
The solution is to “gross up” using this formula:
charge = (base + flat) ÷ (1 − rate)
Where rate = processing fee × (1 + VAT on fee). The flat per‑transaction fee is added to the base first, then the percentage is grossed up around the combined amount.