Where do the default rates for mada and Visa/Mastercard come from?
From a public fee structure of a SAMA-licensed Saudi payment gateway (1.5%+1 SAR for mada, 2.1%+1 SAR for Visa/Mastercard) as a rough realistic reference for the Saudi market. These are guidance figures only — actual fees vary by gateway and are often negotiated based on your monthly sales volume, so all fields are fully adjustable.
Why isn't there a default rate for PayPal?
Because PayPal's fees vary fundamentally by your account's country, transaction type (domestic or international), and your specific agreement, and are updated independently of the Saudi market. Enter the percentage and fixed fee actually shown in your PayPal account dashboard for an accurate result.
Are payment gateway fees subject to VAT?
Yes, as a service provided within Saudi Arabia, payment gateway fees are subject to VAT (15%) — charged on the fee amount itself, not on the original transaction amount. Enable the option in the calculator to include this in the calculation.
What's the difference between the "fixed fee" and the "percentage"?
The percentage is calculated from each transaction's value (grows with the amount), while the fixed fee is a set amount deducted from every transaction regardless of its value (like one riyal). Most gateways combine both.
How do I find out my gateway's exact actual fees?
Check your account dashboard with the service provider (Moyasar, HyperPay, Tap, PayTabs, PayPal...) or contact their sales team; the published fees are generally for small businesses, and you may get a better rate as your monthly sales volume grows.
