Online selling & marketing
PayPal & Stripe Fee Calculator
Find out how much you receive after payment fees, or how much to invoice so you get the full amount. Pick PayPal, Stripe, Square or Venmo to fill in standard US rates, or enter your own rate.
How to use the PayPal & Stripe Fee Calculator
- Enter the amount.
- Pick the payment provider (or Custom).
- Check the % and fixed fee match your account.
- Choose “receive” or “what to charge”.
Formula
Example
Receiving $100 by PayPal goods and services at 3.49% + $0.49 costs $3.98, so you get $96.02. To receive a full $100 you would charge $104.12.
Cut payment costs
- Use ACH bank transfers for large invoices
- Ask clients to pay in your currency to avoid conversion fees
- Check if your local laws allow passing card fees to buyers
Related free tools
Frequently asked questions
Are PayPal friends and family payments free?
Yes in the US from a bank balance, but they are not for business sales and have no buyer protection.
Do international payments cost more?
Yes - extra percentage fees and currency conversion apply.
Are rates negotiable?
Large-volume businesses can often get custom pricing.
Are fees refunded on refunds?
Often the fixed part is not returned. Check your provider's terms.
Results are estimates for planning, not financial advice. Confirm important decisions with a qualified professional. Your inputs stay in your browser and are not sent to Soft2Cloud.
Last updated: November 2026