Running an online business, selling products, or offering services means dealing with payment processing fees. While platforms like PayPal and Stripe make it incredibly easy to accept payments, their fees can sometimes eat into your profits if you’re not aware of them. Our PayPal/Stripe Fee Calculator is designed to give you instant clarity on exactly how much you’ll pay in transaction fees and, more importantly, what your net payout will be.
Why Calculate Payment Processing Fees?
Understanding these fees is crucial for accurate financial planning and pricing:
- Accurate Profit Margins: Ensure your product or service pricing adequately covers all costs, including payment processing.
- Budgeting: Predict your actual income more precisely.
- Pricing Strategy: Decide whether to absorb fees or pass them on to the customer.
- Platform Comparison: While this calculator focuses on standard rates, understanding the breakdown helps you compare different payment gateways.
- Transparency: For non-profits or those accepting donations, knowing the fees helps in communicating the actual received amount.
How Our Calculator Works
Our interactive tool simplifies the fee estimation process for standard PayPal and Stripe transactions. You’ll need to input:
- Transaction Amount ($): The total amount of the payment you are receiving.
- Payment Platform: Choose between PayPal (Standard US) and Stripe (Standard US).
- Cross-Border Transaction? (Checkbox): Select this if the payment is coming from a different country. This often incurs an additional percentage fee.
- Charity/Non-Profit? (Checkbox): Select this if you are a registered charity or non-profit, as some platforms offer reduced rates for these organizations (currently applies to PayPal in this calculator).
The Calculator Will Show You:
- Estimated Transaction Fee: The total fee deducted by the payment processor.
- Your Net Payout: The actual amount of money you will receive after fees.
Calculate Your Fees Now!
Input your transaction details below to quickly see your estimated fees and net payout.
PayPal/Stripe Fee Calculator
Estimate transaction fees for online payments and see your net payout.
Key Considerations for Payment Processing Fees
- Standard Rates vs. Custom Rates: The calculator uses standard US rates. Larger businesses or those with high transaction volumes might qualify for custom rates.
- Currency Conversion: If you receive payments in a foreign currency, there might be additional currency conversion fees.
- Chargebacks & Disputes: These can incur separate fees, which are not covered by this basic calculator.
- In-Person vs. Online: Rates can differ for in-person transactions using card readers versus online payments.
- Country-Specific Rates: Payment processing fees vary significantly by country. This calculator is based on typical US rates.
Disclaimer: This calculator provides estimates based on common standard US transaction rates for PayPal and Stripe. Actual fees may vary depending on your specific account type, country, currency, transaction volume, and any special agreements you may have with the payment processor. Always refer to the official fee schedules provided by PayPal and Stripe for the most accurate and up-to-date information relevant to your account.