
Mistakes, Risks and FAQ
Chargebacks, Payout Holds and Reserves for New Online Stores
How chargebacks, rolling reserves and payout holds work for new ecommerce stores, why they happen, how to respond to disputes and how to keep dispute rates low.
Estimate payment fees plus subscription and app costs for your store each month.
This calculator turns a platform's advertised pricing into a monthly figure you can compare. Enter your average order value, the card processing percentage and fixed fee that apply to your plan, how many orders you expect each month, and your recurring fixed costs such as the plan subscription, paid apps, email tools and any theme or hosting fees.
Formula. Fee per order = order value x percentage / 100 + fixed fee. The amount you keep per order is the order value minus that fee. Your monthly cost is the fee per order multiplied by the number of orders, plus the fixed monthly costs.
Worked example (illustrative numbers only). On a $62 order at 2.9% + $0.30, the fee is 62 x 0.029 = $1.798 plus $0.30, about $2.10, so you keep about $59.90. With 300 orders, processing costs roughly $629, and adding $120 of plan and app costs brings the total to about $749 on $18,600 of sales, an effective cost near 4.0%.
How to use it. Run the same inputs for each platform you are considering, changing only the rates and fixed costs. If a platform charges an extra percentage when you use an outside payment gateway, add that percentage to the processing percentage. If you sell through several channels, run each separately.
Limits. The tool does not model refunds, chargebacks, currency conversion, international card surcharges, shipping labels or sales tax. Rates in the defaults are examples, not quotes from any provider. Check each provider's current pricing page and your own statements.

Mistakes, Risks and FAQ
How chargebacks, rolling reserves and payout holds work for new ecommerce stores, why they happen, how to respond to disputes and how to keep dispute rates low.

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