A percentage plus a fixed fee sounds small until you look at it on a year of invoices. This shows both directions: what you keep, and what you would have to charge to keep a particular number.
You keep
$825.05
Check your own processor's rate — it varies by card type and whether the card was present. Passing fees on to customers is restricted in some states, so check before you add a surcharge line.
Whatever your processor actually charges you. It usually differs between a card tapped on site and one typed into a payment link.
Surcharging is restricted or banned in some states and card network rules apply too. Check before you add a surcharge line to an invoice.
Because the fee applies to the larger amount as well. The maths divides rather than multiplies, which is why the two answers differ.
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