Merchant & Payment Tools

Everything a US business needs to get paid and stay compliant — compare processing fees, calculate sales tax, validate bank details, surcharge legally and win chargebacks. Free, nothing stored.

Fee Payment Fee Calculator Compare Stripe, PayPal, Square & Shopify fees per sale and find the cheapest. Tax Sales Tax Calculator State sales tax rate, tax and total for all 50 US states and DC. ABA Routing Number Lookup Validate a 9-digit ABA routing number and find the bank and Fed district. % Surcharge Calculator Compliant credit card surcharge and cash-discount amounts, with state rules. CB Chargeback Reason Codes Search Visa, Mastercard, Amex & Discover chargeback reason codes. MCC MCC Code Lookup Search 4-digit merchant category codes (MCC) and what each one means.

About the PAYATE merchant tools

Each tool runs entirely in your browser — nothing you enter is stored or sent to a server, and no account is needed. The rates, codes and rules are standard US references for quick estimates; always confirm the specifics with your processor, bank or state before you act. These tools are for guidance, not legal, tax or financial advice.

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