BNPL merchant fee calculator
Enter the order, repayment terms, losses and costs to see the lowest fee that covers them and what your current fee earns.
Break-even fee
At 4%, each order earns €0.85, and orders under €79 lose money.
What the fee pays for
Break-even fee by order value
The dashed line shows your current fee. Orders left of the crossing lose money.
Get the result by email
The next step is the checks: rules decide each order at checkout and are tested on past orders before they go live. Start free
See the formulas
Weeks funded = Average time (At checkout: 0, Weeks between instalments, 2 × Weeks between instalments …; One interval later: Weeks between instalments, 2 × Weeks between instalments …) Funding = Cost of funds a year × Weeks funded ÷ 52 Instalment collection = Instalments × Cost per instalment ÷ Average order Checks = Checks per order ÷ Average order Break-even fee = Credit losses + Funding + Instalment collection + Checks Fee with profit = Break-even fee + Profit wanted Profit or loss a month = Orders a month × Average order × (Current merchant fee − Break-even fee) Credit losses covered = Current merchant fee − Funding − Instalment collection − Checks
Assumes equal, interest-free instalments, payment to the merchant at checkout, and no late fees, refunds or taxes.
Calculate a BNPL merchant fee
The break-even merchant fee is the share of each order needed to cover credit losses, funding and costs. This calculator uses your order value, instalment terms, costs and losses.
The fee helps show whether your current pricing covers the costs of each order. Use the result to compare your current fee with break-even and see what it earns across your monthly orders.
Common questions
What is a BNPL merchant fee?
It is the share of an order the merchant pays for buy now, pay later. The merchant is paid at checkout, less the fee.
How is the break-even merchant fee calculated?
It adds credit losses, funding, instalment collection and checks as shares of the order. The calculator uses your figures for each cost.
How do credit losses and funding affect the fee?
Both are included in the break-even fee. Funding depends on the cost of funds and the average time each instalment is funded.
How do instalments affect BNPL funding costs?
The time between instalments and when the first is paid determine the average time the order is funded. The calculator uses that time and your cost of funds to work out funding per order.
How can I check BNPL unit economics?
Compare your current merchant fee with the break-even fee, then review the profit or loss across your monthly orders. The calculator also shows the highest credit loss rate your current fee covers.