Merchant Cost Forecast
Use monthly sales, monthly transactions, percentage fee (%), fixed fee per transaction, monthly charge to prepare the merchant cost forecast record. The worksheet applies the displayed arithmetic to your supplied values; it does not retrieve account data.
Use monthly sales, monthly transactions, percentage fee (%), fixed fee per transaction, monthly charge to prepare the merchant cost forecast record. The worksheet applies the displayed arithmetic to your supplied values; it does not retrieve account data.
Keeping timing visible in cash decisions
This worksheet calculates the displayed relationship from the supplied quantities. Its label and period conventions determine how the amount should be interpreted. Profit does not state when money reaches the bank. Receivables, supplier payments and inventory can absorb cash while sales remain healthy. A cash comparison needs the payment window and outstanding balance, not only the invoice total.
Scope of this operation
The figure includes only the listed inputs. It does not add unlisted tax, overhead, provider charges or conversion losses. Negative results can represent a shortfall or the signed difference between options. The example output for merchant cost forecast is shown below so the supplied source can be checked against the actual format. It is not evidence that the operation has run against your own file or account.
How it works
Monthly processing cost = [Monthly sales] × [Percentage fee (%)] ÷ 100 + [Monthly transactions] × [Fixed fee per transaction] + [Monthly charge]
Inputs
| Field | Example | Definition |
|---|---|---|
| Monthly sales | 10000 | Use the source quantity represented by monthly sales. Keep the counted population fixed and avoid mixing a unit value with a period total. |
| Monthly transactions | 100 | Use the source quantity represented by monthly transactions. Keep the counted population fixed and avoid mixing a unit value with a period total. |
| Percentage fee (%) | 2.9 | Enter percentage fee (%) on the percentage scale used in the formula (20 means 20%, not 0.20). Keep its base and reporting period consistent with the other inputs. |
| Fixed fee per transaction | 0.3 | Use the source quantity represented by fixed fee per transaction. Keep the counted population fixed and avoid mixing a unit value with a period total. |
| Monthly charge | 10 | Use the source quantity represented by monthly charge. Keep the counted population fixed and avoid mixing a unit value with a period total. |
Step-by-step guide
Prepare the source
Supply Monthly sales, Monthly transactions, Percentage fee (%). Keep the original material so the output can be compared with it.
Build output
Check Monthly sales, Monthly transactions, then select Generate output.
Use the result
Compare the merchant cost forecast result with the unchanged source before copying or downloading it.
When to use it
Monthly processing cost = [Monthly sales] × [Percentage fee (%)] ÷ 100 + [Monthly transactions] × [Fixed fee per transaction] + [Monthly charge] The figure includes only the listed inputs. It does not add unlisted tax, overhead, provider charges or conversion losses. Negative results can represent a shortfall or the signed difference between options.
Example and scope
Example inputs: Monthly sales: 10000; Monthly transactions: 100; Percentage fee (%): 2.9; Fixed fee per transaction: 0.3; Monthly charge: 10.
The figure includes only the listed inputs. It does not add unlisted tax, overhead, provider charges or conversion losses. Negative results can represent a shortfall or the signed difference between options.
Worked output
Monthly processing cost: 330 Assumptions: sales: 10000 orders: 100 pct: 2.9 fixed: 0.3 monthly: 10
Related tool family
This focused tool is associated with Payment Processing Fee Calculator. Use it when you need to isolate a specific part of that wider workflow.
Several parent models may support the same step. Keep the business question visible and choose the version that best matches the process you actually need to manage.
Related parent models
Payment Processing Fee Calculator, Effective Payment Fee Rate Calculator, Credit Card Processing Cost Calculator, ACH vs Credit Card Cost Calculator, Chargeback Cost Calculator, Refund Cost Calculator
Keep the displayed formula, input units and model scope with the result. Corrections or questions can be sent through the request section on this page.
Content updated: October 11, 2026