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Fee-aware repricing: price the money you keep

Your listed price isn't your revenue. Here's how net-margin repricing works, what changes when you run it, and why the category avoids it.

By Christopher Neale, Founder at Hoard Updated Aug 26, 2026

Your listed price isn't your revenue. What you keep is the listing price, minus marketplace commission, minus transaction fees, minus Pro fees if you pay them, minus shipping, minus whatever the fulfilment programme charges per item.

On a $40 card those subtractions are an annoyance. On a $2 card they can be most of the sale. And a repricing rule that maximises the sticker price will cheerfully maximise you into a loss on the cheap end of your inventory, because nothing in the rule knows what a sale costs you.

The arithmetic, done once

Take any card and write down:

  1. Listed price
  2. Marketplace commission
  3. Transaction fee
  4. Pro fee, if applicable
  5. Shipping cost you bear
  6. Per-item fulfilment charges, if you're in a programme that has them

What's left is your real revenue. Divide by your cost basis and you have the only margin figure worth running a rule against.

Do this across a price ladder — $1, $2.50, $5, $10, $25, $50 — and a break-even point appears below which listing a card costs you money to sell. That number is different for every seller, and almost nobody knows theirs. The TCGplayer fees calculator does the arithmetic if you'd rather not.

What changes once you know it

Some inventory should not be listed individually. Below your break-even, singles are a bulk-lot or buylist problem, not a pricing problem.

Your floors should be net-derived, not round numbers. A floor of $0.50 is arbitrary. A floor at the price where you stop losing money is not. Set price floors and ceilings.

Undercutting gets more expensive than it looks. Ten cents off a $2 card is a much bigger share of your take-home than of your sticker. Undercutting strategy on TCGplayer.

Programme choice becomes a pricing decision. Fulfilment programmes with per-item or percentage charges shift break-even upward, sometimes sharply, on cheap cards — reprice TCGplayer Direct inventory.

Why hardly anyone does this

Because it requires knowing your fee stack per card, and most repricing tools don't model fees at all. They read a market price, apply a modifier and write a number back.

It also requires accepting an uncomfortable conclusion: a meaningful slice of a typical TCGplayer inventory is not worth listing one card at a time. That's a harder message to sell than "we'll get you better prices", which is probably why the category avoids it.

Our fee stack is at least simple to model, because it's flat — no percentage of your sales, no per-card charge, so it doesn't move as your prices do: Gold, Platinum, Diamond, and Vault repricing plans. And if you'd like the net-margin picture across your own store before changing anything, see what your TCGplayer store is leaving on the table.

Fee figures change. This page cites the schedule in effect in August 2026; check TCGplayer's current fee documentation before relying on it.

Common questions

What is net-margin repricing?

Pricing a rule against what you actually keep after commission, transaction fees, Pro fees, shipping, and any fulfilment charges — instead of against the sticker price. A rule that only maximizes the listed price can maximize you into a loss on cheap cards, because nothing in it knows what a sale costs you.

Why does a $2 card need fee-aware pricing more than a $40 card?

Because the fixed and percentage costs of a sale are a much bigger share of a cheap card's price. On a $40 card, commission and fees are an annoyance. On a $2 card, they can be most of the sale, so a rule that ignores them is far more likely to price that card at a loss.

How do I find my break-even price on TCGplayer?

Take a card's listed price and subtract marketplace commission, the transaction fee, the Pro fee if applicable, the shipping cost you bear, and any per-item fulfilment charges. Do that across a price ladder — $1, $2.50, $5, $10, $25, $50 — and a break-even point appears below which listing a card individually costs you money.

Does net-margin repricing mean some cards shouldn't be listed as singles?

Yes. Below your break-even point, an individual listing is a bulk-lot or buylist problem, not a pricing problem — no reference price makes that card profitable to list one at a time.

Find your break-even before you touch a price

Connect your store and see which listings are already costing you money to sell — before any repricing runs.

Get started free

Work out what a sale actually nets you — the fee calculator is free and needs no account.

TCGplayer fee calculator