Know what you’re paying.
Then negotiate from there.
A small suite of calculators for merchants who want to understand the math behind their payments stack. No login, no email required to use any of them.
See what payment gateways would actually charge you
Compare NowPayments, Dodo Payments and PayRam side by side. Built for merchants the mainstream rails reject — or fleece.
Run the comparison →Chargeback CostFind out what disputes are really costing you
Most merchants count only the network fee. Lost revenue and ops time are usually 5–10× larger. See the full picture.
Estimate my cost →Payout TimingCalculate the cost of slow settlement
Compare T+0, T+1, T+2, and weekly payouts. Money in transit is money you’re financing.
See my carry cost →Every processor shown is computed from its published list pricing. We don’t hide any of them, and we don’t tilt the math.
Each tool shows you the breakdown — not just the total. You can see which rail or which cost component is doing the damage.
When the numbers say you can do better, talk to a specialist — a real person who reviews your setup.