For the supported US Etsy Payments scenario, the three recurring lines to model are a $0.20 listing cost, a 6.5% transaction fee, and payment processing of 3% of the processing gross plus $0.25 per order. Offsite Ads, Share & Save, taxes on seller fees, and seller-entered costs can change the final result.
This is a current-order guide, not a historical fee table. Etsy does not publish a business-effective date for every rule, so MarginGauge uses the rules observed and reviewed on September 3, 2026. Do not use these rates to reconstruct an older statement without source evidence from that date.
The current fee map for a supported US order
The word fee covers several different events. A listing event is not the same as a payment-processing charge, and neither is the same as the cost of making or shipping an item. Keeping those categories separate makes the result easier to audit.
| Line | Supported US amount | Base or event | Treatment |
|---|---|---|---|
| Listing | $0.20 | Each applicable listing or renewal event | MarginGauge allocates $0.20 per sold unit in Unit economics; Statement mode models order-triggered debits separately. |
| Transaction | 6.5% | Seller order revenue covered by Etsy's transaction-fee policy | Calculated before marketplace sales tax and before deducting Etsy fees. |
| Payment processing | 3% + $0.25 per order | Processing gross for a US bank account, including applicable sales tax | The fixed $0.25 is applied once to the order, not once per item. |
| Offsite Ads | 12% or 15%; $100 order cap | An eligible attributed order | Only include it when the order is attributed and the seller confirms the applicable tier. |
| Share & Save | Standard 4% fee refund | An eligible attributed order total | Modeled as a credit, not as a reduction to seller revenue. |
The first three lines are the starting point, not a promise that every order has exactly three charges. Etsy's Fees & Payments Policy defines the listing and transaction rules. The Etsy Payments Policy and the US payment-processing guide provide the US processing rate and scope.
Why the transaction and processing bases differ
MarginGauge calls seller revenue R. For a supported order, it is the pre-fee amount the seller earns from merchandise after a seller-funded item discount, plus buyer-paid personalization, shipping, and gift wrap. Marketplace sales tax collected by Etsy is not included in R.
The transaction fee is estimated from R. Payment processing uses a separate gross base, P. In the standard supported scenario, P equals R plus the sales tax Etsy collected. That means sales tax can increase the processing fee without becoming seller revenue.
Processing = round-cent(3% x (R + sales tax) + $0.25)
Each percentage line is rounded to the nearest cent using MarginGauge's disclosed half-up convention. Etsy does not publish every intermediate rounding step, so a statement can differ by a cent or more.
Multiple quantities need two different views
For long-run Unit economics, MarginGauge assigns one $0.20 listing cost to every unit sold. A Payment Account estimate instead asks which listing debits the order triggered. Etsy's multiple-quantity guidance confirms standard examples, but unusual renewal states, credits, and manual renewals can require the actual debit count from the statement.
Optional fees, credits, and seller costs
An attributed Offsite Ads order can add a 12% or 15% fee, capped at $100 for one order. The seller must confirm the rate tier and attribution; MarginGauge does not infer either from the order value. An eligible Share & Save order can instead produce a fee refund. These programs are handled as mutually exclusive attribution scenarios in the calculator.
COGS, the shipping label, insurance, packaging, variable labor, and allocated Etsy Ads spend are not inferred from Etsy's order value. They are seller inputs. They belong in contribution profit even when they do not appear as marketplace fees.
Keep payout separate from profit. A reserve, deposit timing, refund, currency conversion, subscription, or unrelated account debit can change a Payment Account balance without changing the contribution model in the same way. This guide does not estimate those events.
Worked example: a $45 seller-revenue order
Assume one item, $45.00 in seller gross order revenue, $3.60 in marketplace sales tax, and $18.00 in seller operating costs. There is no Offsite Ads attribution, Share & Save credit, or Texas seller-fee tax.
- Transaction
- 6.5% x $45.00 = $2.93
- Processing
- 3% x $48.60 + $0.25 = $1.71
- Listing
- $0.20
- Total Etsy fees
- $4.84
- Operating costs
- $18.00
- Contribution profit
- $22.16
The tax is pass-through money, so it is not added to revenue or profit. It enters this example only through the percentage portion of payment processing.
Replace the example with your order
Enter the actual price, sales tax, quantities, costs, and attribution shown for your supported order. Inputs stay in your browser.
Open the Etsy Profit CalculatorOfficial sources and limits
- Etsy Fees & Payments Policy - listing fee, transaction fee, Offsite Ads rates and cap; official page updated February 13, 2026.
- Etsy Payments Policy - US processing rate and Payment Account scope; official page updated July 31, 2026.
- What are the Fees and Taxes for Selling on Etsy? - US fee overview and private listing fee.
- What are Payment Processing Fees for Selling on Etsy? - US rate and applicable-tax treatment.
- Fees and Listing Multiple Quantities - standard multi-quantity and sold-renewal examples.
Official Help Center pages do not publish an effective date for every rule. MarginGauge verified the cited material on September 3, 2026 and does not substitute the page review date for an Etsy business-effective date.
This guide is an estimate for the stated US/USD scope. It is not accounting, tax, or legal advice and is not affiliated with Etsy, Inc. Corrections can be sent to [email protected].