Stripe & PayPal Processing Fee Calculator
Calculate credit card processing fees for Stripe, PayPal, and Square. Features reverse invoice markup math to determine what to charge for exact net payouts.
Stripe Domestic
2.9% + $0.30Stripe International
3.9% + $0.30PayPal Standard
3.49% + $0.49Square Online
2.9% + $0.30💡 How to Avoid Payment Processing Losses on Invoices
If you bill clients via credit card links, processing fees silently diminish your profit margins by 3% to 5% annually. Use the "To Receive Net" figure on your invoices to ensure your business collects the exact agreed contract amount, or offer clients a direct bank transfer (ACH / Faster Payments) option with 0% processing fees.
About this tool
How to use it
- Enter your sale price, retainer amount, or invoice total.
- Select your calculation direction: standard (Forward Payout) or reverse (What to Invoice).
- Select your operating currency (USD, GBP, EUR, CAD, AUD).
- Compare net payouts across Stripe Domestic, Stripe International, PayPal, and Square side-by-side.
Why it matters
Payment gateways deduct percentage and fixed micro-fees from every transaction. On a $1,500 invoice, processing fees take $43 to $60 out of your pocket. Understanding reverse fee algebra lets freelancers bill the exact gross markup necessary to receive their targeted net sum.
When to use it
Use this calculator before sending client invoices, setting up e-commerce product pricing, or deciding which merchant processor to embed on your checkout page.
Good to know
Calculates standard US/international merchant gateway rates: Stripe 2.9% + $0.30, Stripe Intl 3.9% + $0.30, PayPal 3.49% + $0.49, Square 2.9% + $0.30.
Common questions
How do you calculate what to invoice so fees are covered?
To receive an exact net amount, use reverse fee math: Invoice Amount = (Desired Net + Fixed Fee) ÷ (1 − Percentage Fee Rate). For example, to net $1,000 via Stripe (2.9% + $0.30): ($1,000 + $0.30) ÷ (1 − 0.029) = $1,030.18.
Why is PayPal usually more expensive than Stripe?
PayPal standard commercial rates in the US start at 3.49% + $0.49 for digital checkouts, compared to Stripe's 2.9% + $0.30, resulting in roughly 0.6% higher fees on most transactions.
Are cross-border international credit card fees higher?
Yes. Stripe adds +1% for cards issued outside your home country, and an additional +1% if currency conversion is required.
Are my client transactions private?
Yes. All calculations occur strictly client-side in your browser. No financial data is sent to or stored on our servers.