PayPal & Stripe Fee Calculator

PayPal & Stripe Fee Calculator

Calculate merchant processing fees, net payout, and required invoice amounts.

Transaction Gateway: PayPal (Domestic US - 3.49% + $0.49) PayPal (International - 4.99% + $0.49) Stripe (Domestic US - 2.90% + $0.30) Stripe (International - 3.90% + $0.30) Custom Percentage & Fixed Fee

Amount to Send / Receive ($):

Fee Rate (%):

Fixed Transaction Fee ($):

Total Fee Deducted

$0.00

Net Amount You Receive

$0.00

To Receive Exact Amount, Charge:

$0.00

Effective Fee Percentage

0.00%

---

PayPal & Stripe Merchant Fee Calculator

For freelancers, digital agencies, and e-commerce store owners, transaction processing fees charged by merchant payment gateways like PayPal and Stripe can quietly reduce profit margins. Whether you are invoicing a client or receiving customer payments, calculating exact gateway deductions ensures you get paid the target net amount every time. Our free PayPal & Stripe Fee Calculator determines transaction costs and exact invoice totals instantly.

---

Understanding Payment Gateway Deductions

When processing payments online, payment processors apply two main fee components to every transaction:

• Percentage Rate (%): A dynamic variable fee calculated against the gross payment amount.
• Fixed Transaction Fee ($): A flat dollar cost charged per transaction regardless of invoice total.
• Cross-Border / Currency Conversion Fee: Additional surcharges (usually 1%–1.5%) applied to international payments involving different currencies.

---

Transaction Fee Formulas

Calculation Goal	Formula Structure
Deducted Fee Amount	(Gross Amount × Fee %) + Fixed Flat Fee
Net Payout Received	Gross Amount − Deducted Fee
Invoice Amount to Charge Client	(Desired Net Amount + Fixed Flat Fee) ÷ (1 − Fee %)

---

Frequently Asked Questions (FAQs)

Why does PayPal charge higher fees on international transactions?

International card payments involve cross-border currency conversion and international bank routing networks, causing standard PayPal international processing rates to rise up to 4.99% + $0.49.

How can I make sure I receive an exact invoice amount?

To receive an exact net amount (e.g., $500), use our "To Receive Exact Amount, Charge" metric in the calculator. It calculates the necessary gross invoice price so fees are covered by the buyer.

Does Stripe charge chargeback fees?

Yes. If a buyer files a dispute or chargeback, Stripe assesses a dispute fee (typically $15) per incident unless the merchant wins the case.