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.
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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.
Visit the Learn hub →