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PayPal & Stripe Fee Calculator

PayPal & Stripe Fee Calculator computes domestic and international processing fees, net bank payout balances, and exact gross invoice amounts to cover payment gateway transaction cuts.

Privacy Guarantee: Calculated instantly in browser memory. No financial data stored.
Interactive PayPal & Stripe Fee Calculator widget loads and processes in your browser session.

How to Use PayPal & Stripe Fee Calculator

  1. Choose your payment gateway (PayPal or Stripe).
  2. Enter the transaction amount in USD.
  3. Select Domestic or International card processing tier.
  4. View the total processing fee, your net bank payout, and the recommended invoice amount.

Common Use Cases

  • Calculate net payouts from client invoices and digital product sales.
  • Adjust service pricing to cover 2.9% - 4.9% international transaction fees.
  • Compare processing costs between Stripe and PayPal merchant accounts.

Understanding Stripe vs PayPal transaction fee structures

Standard domestic card transactions typically cost 2.9% + $0.30 on Stripe and 3.49% + $0.49 on PayPal. International credit cards incur additional 1% to 1.5% currency cross-border surcharges.

How to charge clients to receive your exact target amount

Instead of losing 3% to 5% of your service revenue, calculate the gross billable amount upfront using the formula: (Net Desired + Fixed Fee) / (1 - Fee Percentage).

Optimizing international freelance and e-commerce payouts

For high-value invoices over

,000, consider asking international clients for direct ACH or bank wire transfers to bypass percentage-based payment gateway merchant cuts.

Frequently Asked Questions

Does Stripe take a cut of refunds?

Stripe does not return processing fees when you refund a customer. You lose the original transaction fee.

Can I pass payment processing fees onto my client?

In many jurisdictions, businesses are legally allowed to include payment processing convenience fees or adjust flat rates accordingly.

Is this calculator free?

Yes, 100% free with unlimited calculations for freelancers, merchants, and agency owners.

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