Processor fees: build the net payout into the quote
Card and wallet fees can reduce the cash left for labor, materials, and tax reserves. Estimate the net payout before finalizing a quote.
A quote should be based on the amount the business needs to keep after payment fees, not only the amount the client pays. Model the likely payment method before deciding whether fees belong in the price, overhead, or a different payment option.
Start from required net cash
Estimate how much cash the job needs to leave after direct costs, labor, materials, and normal overhead. Then compare that target with the net payout after processor fees.
Model the payment method
Percentage fees, fixed transaction fees, international cards, and online wallet rates can produce different net payouts. Use the rate that matches the actual account and payment method when possible.
Be careful with separate surcharges
Card-network, platform, state, and country rules can affect whether a fee may be passed through as a separate line. Confirm the rule before adding a surcharge or changing customer-facing terms.