ナレッジハブ・技術ガイド
Payment Gateway Architecture & Merchant Transaction Fees
Modern ecommerce infrastructure relies on Payment Gateways (like Stripe, PayPal, or Square) to securely authorize credit cards and process digital wallet transactions.
Gateways charge a blend of flat transaction fees and percentage based interchange rates. This calculator processes your gross order volume entirely client side, allowing you to confidentially model your effective take rate without exposing revenue data to third parties.
コアアーキテクチャ & 計算式
Effective Gateway Fee = (Transaction Volume × Percentage Rate) + Flat Per Transaction Fee
The industry standard baseline rate for domestic online credit card processing is 2.9 percent plus 30 cents per successful transaction.
ベストプラクティスとガイドライン
- Model Micro Transactions Carefully: If your average order value is $5, a 30 cent flat fee destroys your margin. In these scenarios, you must route through specialized micro payment pricing tiers.
- Watch for International Surcharges: Gateways typically add an extra 1 percent to 2 percent fee if the customer's credit card was issued outside your domestic country, plus currency conversion spreads.
- Negotiate at High Volumes: Standard published rates (like 2.9 percent) are only for startups. Once you cross $100,000 in monthly volume, contact sales for Interchange Plus pricing.
よくある質問 (FAQ)
What is the difference between a Payment Gateway and a Merchant Account?
A Merchant Account is a specialized bank account that holds funds from credit card sales, while the Gateway is the software that communicates the approval or decline between your website and the card networks.
Are refunded transactions subject to fees?
Yes. Historically, gateways returned the percentage fee on refunds. Today, nearly all major processors (including Stripe and PayPal) keep the original processing fee even when you refund the customer.
What is a chargeback fee?
If a customer disputes a charge with their bank as fraudulent, the gateway automatically penalizes you with a non refundable dispute fee (typically $15) in addition to clawing back the original funds.