Payment fees : how to estimate your budget?

Apply the service provider's fees to the sales actually collected by this means.

Prepare your estimate

To be gathered to cost this item

  • Share of sales paid by card or via a platform.
  • Percentage commission and fixed fees per transaction.
  • Number of transactions and terminal subscription.

To be checked to avoid omissions and duplicates

  • The turnover of the calculator must correspond to the sales concerned, not necessarily to the total turnover.
  • Add fixed costs to the annual budget or in another line.
  • Do not add a commission already entered into the direct costs of a revenue source.

Items that may already cover this expense

Check the scope of these items before adding an amount; each expense must only be counted once.

Use this estimate in your business plan

Monthly expenses

Add this item to operating expenses if its amount is not already included in another line. For a one-off expense, use a zero monthly base and an override in the planned month.

Depending on your sales channels and marketing activities.

An annual estimate is spread over twelve months. Adjust the monthly schedule for one-off expenses, seasonality and planned due dates.

Guide updated on 14 October 2026. Parameters must come from your quotes, contracts or documented assumptions.

Choose a business model

Relevant business templates

Review this item in the following templates, depending on your business circumstances.

Calculate the monthly budget

Apply the service provider's fees to the sales actually collected by this means.

Enter the parameters to calculate the budget. Zero means zero expense.

Fictitious example: €200,000 turnover excluding VAT × 0.5% = €1,000 per year, or €83.33 per month. The rate of 0.5% illustrates the calculation; it is not recommended by default.

The budget is distributed at a fixed amount each month. It does not automatically track turnover, headcount, seasons or annual deadlines. It must be recalculated after modifying these assumptions.

Other positions to check