Card Fee & Settlement Calculator
Get the card fee and net settlement from a payment amount and your merchant fee rate.
Enter the payment amount and fee rate to get the fee and net settlement.
Reference (2026 H1): small merchants (≤300M/yr) credit 0.4% / debit 0.15%; general merchants about 2.0–2.3%. Preferential rates change yearly, so enter your merchant’s actual rate.
Card fee = payment × fee rate. Net settlement = payment − fee. The rate varies by merchant, card company and sales size, so enter the rate that applies to you.
🔒 Inputs are calculated in your browser and never sent to a server.
Fee and settlement
Card fee = payment × fee rate; net settlement = payment − fee. A 100,000 KRW payment at 2% has a 2,000 KRW fee and 98,000 KRW settled.
Enter your own rate
Rates vary by merchant, card company and sales size and change yearly, so enter the rate that applies to you (default 2.0%). For reference, 2026 H1 small merchants pay about 0.4% credit / 0.15% debit; general merchants about 2.0–2.3%.
See it with VAT and margin
Net profit also removes VAT and cost of goods — check those with the VAT and margin calculators.
Private by design
Inputs are calculated in your browser and never sent to a server.
Frequently asked questions
How is the card fee calculated?
Fee = payment × rate; settlement = payment − fee. At 2% on 100,000 KRW, the fee is 2,000 KRW and 98,000 KRW is settled.
What rate applies to me?
It depends on your merchant category and sales size and changes yearly; check with your card company or the finance association and enter your actual rate.
When is the money settled?
This tool only computes amounts; actual payout timing follows your contract with the card or PG company (often 2–3 business days).
Are the amounts sent anywhere?
No. Everything is calculated in your browser and nothing is uploaded.