The complete SaaS payment fee stack
Processing is the first line of the calculation, not always the last.
Separate every component
List the processor percentage, fixed fee, platform subscription, recurring-billing charge, transaction-tax service, cross-border fee, FX markup and payout fee. Required tools belong in the comparison even if they appear on a different invoice.
Use the same scenario
Specify merchant country, buyer/card country, method, presentment and settlement currencies, order amount, transaction count and plan. Apply a fee to its documented base: some providers calculate on the tax-inclusive order total.
Do not turn unknown into free
If a fee is unpublished or a locale differs, mark the total incomplete. Reserves reduce immediately available cash but are not automatically permanent fees. Refunds and disputes need separate calculations with their own fee-retention rules.
Read the product-specific evidence
Provider-specific conditions and primary sources: