Meet the PayPal vs Stripe Fee Calculator
Enter a sale amount to see Stripe's real 2.9% + $0.30 and PayPal's real 3.49% + $0.49 US processing fees side by side, or reverse-calculate exactly what.
- Free to use
- No signup
- Nothing to install
- Runs in your browser
Illustration. Open the tool for the real thing.
See it in action
Sample input: Amount ($) = 100
What is the PayPal vs Stripe Fee Calculator?
Enter a sale amount and this tool auto-computes the real fee both processors charge on it, using each platform's actual published standard US online rate: Stripe at 2.9% + $0.30 per transaction, and PayPal at 3.49% + $0.49 per transaction for goods & services. The two are shown side by side so you can see exactly how much more (or less) each one takes on your real numbers, not a rough guess.
Switch on 'reverse calculate' and enter the amount you actually want to net after fees instead — the tool solves the real algebra for you (gross = (net + fixed fee) / (1 - percentage rate)) to show exactly what price to charge on each processor so your target amount lands in your account.
3 steps to your result
Open the tool and follow along. Nothing to install.
What you get
Stripe's and PayPal's actual published standard US rates calculated side by side on the same amount.
Applies each platform's real percentage AND fixed per-transaction fee, not just one or the other.
Enter the amount you want to net and get the exact price to charge, solved with real algebra.
You never need to already know either platform's fee — just enter an amount.
AZRS tools are free to open and use.
It opens in your browser, so there is nothing to download.
Used for
Pick one to see how it fits.
Freelancers and small businesses invoicing clients
Pick the processor that leaves more in your pocket, or price invoices to net a specific take-home amount.
Try it freeOnline sellers choosing a payment gateway
Compare the real fee gap before committing to one processor.
Try it freeAnyone quoting a price that must net a round number
Use reverse mode instead of guessing and re-checking after the fact.
Try it freeHow it compares
A plain look at this tool next to the usual alternative.
| This calculator | Desktop software | |
|---|---|---|
| Install | Nothing to install | Usually an app or program to install |
| Account | No signup | Depends on the product |
| Cost | Free to use | Free or paid, depends on the product |
| Where it runs | In your browser tab | On your computer |
Questions people ask
How much does Stripe really charge?
Stripe's published standard rate for US online card payments is 2.9% + $0.30 per successful transaction.
How much does PayPal really charge?
PayPal's published standard rate for US goods & services transactions is 3.49% + $0.49 per transaction, as of its most recent published rate change — higher than Stripe's standard online rate.
How does the reverse 'net to gross' calculation work?
Real algebra: gross = (target net + fixed fee) / (1 − percentage rate). This solves exactly what price makes the after-fee amount equal your target, rather than approximating by trial and error.
Do these rates ever change?
Yes — both companies periodically revise fees; this tool uses each platform's most recently published standard US rate, clearly labelled, and you should confirm current pricing on each platform for high-stakes decisions.
Is my data stored?
No, everything is calculated locally in your browser.
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Try the PayPal vs Stripe Fee Calculator now
Compare real PayPal and Stripe payment processing fees side by side, plus reverse 'what. Free to use.
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