Etsy Payments processing is not one universal percentage and fixed fee. The seller’s bank country and current Etsy policy determine the applicable rate, while other regulatory or currency charges may also apply.
Formula and decision rule
Payment-processing fee = eligible payment amount × country percentage + country fixed amount. Keep this separate from Etsy’s listing, transaction, Offsite Ads, currency-conversion and regulatory operating fees so each assumption can be audited.
Worked example
As a purely illustrative calculation, a 3% + $0.25 processing rule applied to a $40 eligible payment produces $1.45. This example is not a claim that the same rate applies to every country or remains current for the reader’s account.
Find the authoritative input
- Open Etsy’s current Payments Policy or help page.
- Select the seller’s bank country—not the buyer’s country.
- Record the percentage and fixed component.
- Add any separately applicable regulatory or currency charge.
- Save the review date with the pricing scenario.
Common pricing error
Applying a U.S. example globally can understate or overstate fees. A small fixed component also matters more on low-priced orders, which is why the percentage alone is not sufficient.
Use the calculator
The Etsy calculator exposes both the percentage and fixed payment-processing inputs and supports saving a scenario locally.
Primary sources
Frequently asked questions
Should the buyer’s location determine the input?
Processing schedules are generally presented by seller bank country. Cross-border, currency and tax circumstances can introduce other charges.
Why not publish a permanent country table?
A copied table becomes a maintenance liability. BriskCalc links to Etsy and lets the seller enter the current account-specific rule.
Change log
Published August 14, 2026 with a country-selection workflow instead of a potentially stale copied table.