PayPal & Stripe Fee Calculator
See the processing fee and what actually lands in your account — or work out what to charge to receive an exact amount.
✏️ These numbers were filled in from a shared link — change anything to make it your own.
How payment fees work
Card processors take a percentage of the transaction plus a small fixed fee — 2.9% + $0.30 is the standard US online rate for PayPal and Stripe. On a $100 charge that's $3.20, so you receive $96.80.
fee = percentage × amount + fixed · to net a target: charge = (target + fixed) ÷ (1 − percentage)
Standard 2026 US online rates; verify in your dashboard. Not financial advice.
Frequently asked questions
How much are PayPal and Stripe fees?
The standard US rate for both is 2.9% + $0.30 per transaction for online payments. Some payment types (international, currency conversion, micropayments) carry different rates — use the custom option to match yours.
How do I calculate what I actually receive?
Multiply the amount by the percentage fee, add the fixed fee, and subtract that from the amount. For $100 at 2.9% + $0.30 you receive $96.80.
How much should I charge to receive an exact amount?
To net a specific amount after fees, gross it up: charge = (target + fixed fee) ÷ (1 − percentage). This calculator does it in the “want to receive” field, which is handy for invoices.
Are these fees exact?
They are the standard 2026 US online rates. Your effective rate can vary by plan, country, and payment method. Confirm in your PayPal or Stripe dashboard.