ENGPAY
Payments, explained — digital wallets, gateways and merchant tech, plus handy everyday calculators.
From working out processing fees and your true blended rate to costing chargebacks, exposing currency-conversion markups, projecting subscription revenue, and comparing processors, EngPay.com pairs practical payments calculators with in-depth guides and a richly illustrated museum. Pay smarter, grow further.
Free Payments Calculators
Practical calculators for the numbers that run a payments business — payment fee calculator, effective rate calculator, chargeback cost calculator, currency conversion calculator, subscription revenue calculator, and processor comparison calculator.
Payment Fee Calculator 💳
Work out the processing fee on a transaction from a percentage rate plus a fixed fee — see the total fee, the net you receive, the effective rate, and totals across a batch of sales
Effective Rate Calculator 📉
Divide your total monthly fees by the volume you processed to reveal the one blended effective rate behind the pricing — plus your true cost per transaction
Chargeback Cost Calculator ⚠️
Add the dispute fee, lost goods, and non-refunded processing fee for the true cost of a chargeback, then project the annual hit from your chargeback rate and volume
Currency Conversion Calculator 🌍
Convert at the mid-market rate, then apply an FX markup to see what you actually receive, exactly what the markup costs you, and your real effective rate
Subscription Revenue Calculator 📈
Turn subscribers and price into MRR and ARR, then project 12 months of recurring revenue adjusted for monthly churn and optional growth
Processor Comparison Calculator ⚖️
Compare two processors — rate, fixed fee, and monthly fee — at your volume and average ticket to see each one's cost, the cheaper choice, and annual savings
Museum of Money & Payments
Wander an immersive museum of the money and machines that shape the way we pay — money through the ages from coin to banknote, cards and cashless payment, digital money from wallets to mobile payments, and the banks and institutions behind every transaction, each in its own wing, so you can get to know the stories behind modern payments: how each idea came to be, what makes it matter, and the role it plays in shaping how money moves around the world.
Tour the museum →From the Journal
Fresh guides on digital wallets, payment gateways, merchant accounts, mobile money, and QR and contactless payments, plus practical explainers on fees, settlement times, gateway comparisons, and staying on the right side of KYC and PCI.
The Rise of Split Pay: How Shared Financial Responsibility is Reshaping Modern Transactions
The Rise of Split Pay: How Shared Financial Responsibility is Reshaping Modern Transactions In an era where financial transparency and collaboration are becoming increasingly vital, the concept of split pay…
The Mechanics and Implications of Stablecoin Settlement in Modern Financial Systems
The Mechanics and Implications of Stablecoin Settlement in Modern Financial Systems In an era where digital currencies are reshaping global finance, stablecoins have emerged as pivotal tools bridging traditional money…
Why Recurring Billing Matters in the Digital Age
The Foundations of Recurring Billing Recurring billing refers to automated charge cycles designed to collect payments from customers at regular intervals. Unlike traditional one-off purchases, this model ensures steady income…
Understanding Fraud Scoring: A Deep Dive into Risk Assessment and Mitigation Strategies
Understanding Fraud Scoring: A Deep Dive into Risk Assessment and Mitigation Strategies Fraud scoring has become a cornerstone of modern risk management systems, enabling organizations to identify potentially fraudulent activities…
The Global Currency Conundrum: Navigating Multi-Currency Transactions in Today’s Borderless Economy
The Global Money Maze: Navigating Multi-Currency Transactions in Today’s Economy In an increasingly interconnected world where digital transactions span continents and currencies change hands faster than ever before, understanding multi-currency…
The Future is Open: How Open Banking is Reshaping Financial Services and Empowering Consumers
The Future is Open: How Open Banking is Reshaping Financial Services and Empowering Consumers In an era where digital innovation is redefining every industry, finance has found its disruptor in…
Keep Learning
Practical know-how on payments basics, cards and wallets, and digital finance, plain-language explainers on invoices, settlement times, and gateway comparisons, and grounded guidance on risk and compliance for first-time sellers and payments professionals alike — everything you need to dig deeper and pay smarter.
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