Payment processing fees can contain several components. Comparing only the percentage advertised on a pricing page can miss fixed charges, international supplements, conversion and dispute costs.
Calculate cost using your transaction mix List typical order value, monthly transaction count, customer countries and currencies. A fixed fee has a larger effect on small purchases than on larger invoices. Subscription charges and refunds can change the result further.
Use the current price for the Hong Kong product and account plan. Provider pages may show different terms by region, payment method or volume arrangement.
Separate fees from held funds A processing charge reduces the economic return from the sale. A reserve affects when funds are available and is governed by its release conditions. Do not count every held amount as a fee, but do include its cash flow effect.
Use an illustrative calculation Suppose a hypothetical provider charges 3 percent plus €0.30. On a €10 payment, the charge would be €0.60, or 6 percent of the sale. On a €100 payment, it would be €3.30, or 3.3 percent. These are examples, not Cluched or provider quotes.
Add relevant conversion and international charges before comparing the net result. Review how refunds and disputes are charged under the actual contract.
Keep a monthly reconciliation of gross sales, deductions and payouts. It reveals whether the realised cost matches the assumptions used when the provider was selected and whether a different plan deserves review.
Sources and scope
General information, not advice for your individual legal or tax position. Confirm current requirements with the relevant authority or provider.