Stripe & PayPal Fee Calculator — Payment Processor Fee Comparison
Compare Stripe and PayPal transaction fees side by side. Enter your transaction amount to see the exact fee, net amount, effective rate, and monthly volume impact for both processors.
Payment Fees
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Enter Values
Amount to Invoice
—
Total Fee Charged
$3.20
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Processing Fee
$3.20
2.90% rate + $0.30 fixed fee
You Receive
$96.80
The Formula
Payment processors charge a percentage of the transaction amount plus a fixed per-transaction fee. The net amount is what you actually receive after fees.
Variable Definitions
Percentage Fee
The percentage of the transaction amount charged by the processor, typically 2.5–4.5%.
Fixed Per-Transaction Fee
A flat fee charged on each transaction, typically $0.10–$0.49.
Net Amount (Payout)
The amount you actually receive after all fees are deducted.
How to Use This Calculator
- 1
Enter the invoice or sale amount you plan to charge.
- 2
Select your payment platform (Stripe, PayPal, or Square).
- 3
Toggle "Calculate what to invoice" to see how much to charge to receive a specific net amount.
- 4
View the fee breakdown and your net payout.
Common Applications
- Calculating the net amount you will actually receive after credit card processing fees on each transaction
- Determining how much to invoice a client so that after processing fees you receive exactly the amount you need
- Comparing fee structures across payment processors (Stripe, PayPal, Square) to choose the most cost-effective option for your business
Payment processing — percentage fee plus fixed fee deducted from total
Understanding the Concept
Payment processing fees are the cost of accepting credit cards and digital payments. These fees cover interchange fees (paid to the card-issuing bank), assessment fees (paid to the card network like Visa/Mastercard), and the processor's markup. While fees seem small per transaction (2–5%), they can significantly impact margins — especially for businesses with low average order values or high volumes. For a $10 transaction with a 2.9% + $0.30 fee, the effective fee rate is 5.9%. Understanding these fees helps you price your products correctly and choose the right payment processor for your business model.
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