Etsy Payment Processing Fee (2026): Formula + By-Country Rates
Published on January 26, 2026
Payment processing is the second major percentage cost on Etsy (after the transaction fee). The tricky part is that Etsy Payments rates vary by country and can change over time, so treat them as inputs.
Quick formula
percent + fixedprocessing fee = (fee base × processing %) + fixed fee
US example many sellers use: (order total × 0.03) + $0.25.
Does processing include shipping and tax?
Processing fees are applied to a fee base that usually starts with the order total. Shipping is commonly part of the order total. Whether tax is included can vary by country and how Etsy collects tax/VAT, so it’s best to model it in a calculator that can include or exclude tax.
How it fits into total Etsy seller fees
Processing fees are one part of total seller fees. For a full breakdown, also model the listing fee, transaction fee, and optional Offsite Ads.
For the full end-to-end explanation, see Etsy seller fees (2026).
FAQ
What is Etsy’s payment processing fee in 2026?
Etsy Payments processing fees vary by bank country. In the US, Etsy commonly lists 3% + $0.25 per order, but you should verify the official table for your country.
How do I calculate the processing fee per order?
Use: processing fee = (processing rate × fee base) + fixed fee. The fee base is usually the order total, and it may include tax depending on region.
Do Etsy processing fees include shipping and tax?
Shipping is typically part of the order total. Whether tax is included in the processing base can vary by region and how Etsy collects tax/VAT.
Where can I find the by-country Etsy Payments rates?
Use the official Etsy Payments fees page for your region, or see our Etsy fees by country summary and then model the exact percent + fixed values in a calculator.