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Calculate store installment fees

Calculate the shop repayment fee and the impact on profits.

Credit card.Verifiable formulaYou can save and share results.

Installment Merchant Fee

Formula: Commission = Sales × Rate% | Actual Revenue = Sales − Commission

Store Installment Fees Calculator

The Store Installment Fees Calculator estimates a loan and interest estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own store installment figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.

Enter sales, installment number and payment rate 0% to see the actual cost for the store.

General 1.5–4% Depending on the period and the bank

Formulas used

  • Commission = Sales × (Rate % ÷ 100)
  • Actual revenue = sales - commissions.
  • Net profit = (sales x margin%) − commission

Related Links

Official reference source

Frequently asked questions

How much does a 0% shop charge?
Shops that take 0% loans with banks usually pay 1.5-4% of sales fee, depending on the number of installments and the bank. The more installments, the higher the fee.
What about the shop repayment fee?
Charged from sales × fee rate (%) by number of instalments, for example, payment 3 month may charge 1.5% payment 10 month may charge 4% of sales
Should we take a 0% loan?
Depending on the margin of the product, if the product has a higher margin than the fee, taking loan will help increase sales, but if the margin is low, it may be a loss, so calculate before you decide.
Disclaimer: The rate of the repayment fee may vary by bank and terms of contract, should be confirmed with the bank providing the service.

English calculator guide

How to use the Store Installment Fees Calculator

Use this page to test a specific store installment scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the store installment fees estimate instead of relying on a generic example.

  1. Build a baseline store installment case with figures that match your situation.
  2. Run a second store installment case after changing the rate, period, quantity or other key assumption.
  3. Record the difference between the two store installment results and the input responsible for it.

Inputs for the store installment estimate

For this store installment calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a loan and interest estimate for your scenario, not a guaranteed provider price or official decision.

How the store installment result is calculated

The calculator models principal, interest, repayment timing and term using the assumptions shown on the page. Reusing the same store installment inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.

Checks for a store installment decision

Confirm any current rate, threshold or provider rule that could change the final amount. For store installment, Use the estimate to compare card or payment costs. Check the provider’s current percentage fee, fixed fee, interest method, minimum charge and billing terms. Check the important inputs and any current provider or authority rules before using the result for a decision.

Language QA
Terminology, numeric values and calculator controls checked
Calculator scope
Loan and interest
Last English review
26 July 2026

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Creator
Kamnuanlek editorial team
reviewer
Kamnuanlek recipe and resource review team
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