Business
Invoicing, margin & GST calculators
Payment Processor Fee Calculator
Stripe, PayPal & Square fees — net after fee, gross-up, and side-by-side compare. Accurate, instant and free — for United States.
What these mean:
Stripe charges 2.9% + $0.30 on $100.00, a $3.20 fee — you receive $96.80 (effective 3.20%). Rates verified 2026-07-04.
Processor fee
$3.20
You receive
$96.80
Effective rate
3.20%
Fees change — verify at the source
Add the fee to a bill your client can pay with the Invoice Generator.
Fee and gross-up formulas
Processors charge a percentage of the transaction plus a fixed per-transaction fee. Because of that fixed cent amount, the effective rate is highest on small charges. To receive an exact net, you must divide — not multiply.
Fee & net
amount × rate + fixed
fee = amount × rate% + fixed
$100 at 2.9% + $0.30 = $3.20 fee → $96.80 net.
Gross-up
(net + fixed) ÷ (1 − rate)
charge = (net + fixed) ÷ (1 − rate)
Net $100 → charge $103.30, not $102.90.
- 1Why gross-up is not × (1 + rate): Charging $102.90 would leave you $99.72, not $100 — the 2.9% is taken on the larger amount. Dividing by (1 − rate) puts the fee inside the charge, so the maths balances at $103.30.
- 2Take it further: Pass the grossed-up figure straight into an invoice with the Invoice Generator.
Current Stripe, PayPal & Square fees
The standard US rate cards below are entered by hand from each provider and stamped with the date they were last verified. Square is the volatile one — it raised its online rate from 2.9% to 3.3% on 13 January 2026; Stripe and PayPal have been stable for years.
| Processor | Rate | Fixed | Verified |
|---|---|---|---|
| Stripe | 2.9% | $0.30 | 2026-07-04 |
| Stripe (in-person) | 2.7% | $0.05 | 2026-07-04 |
| PayPal Checkout | 3.49% | $0.49 | 2026-07-04 |
| PayPal (card) | 2.99% | $0.49 | 2026-07-04 |
| Square (online) | 3.3% | $0.30 | 2026-07-04 |
| Square (in-person) | 2.6% | $0.15 | 2026-07-04 |
| Square (keyed) | 3.5% | $0.15 | 2026-07-04 |
Always confirm at the source
Frequently asked questions
Most processors charge a percentage of the transaction plus a fixed per-transaction fee: fee = amount × rate% + fixed. On a $100 Stripe online charge at 2.9% + $0.30, the fee is $2.90 + $0.30 = $3.20, so you receive $96.80. The fixed component means the effective rate is highest on small charges and falls as the amount grows.
Grossing up is not net × (1 + rate) — that under-charges, because the fee is taken on the larger grossed-up amount, not on the net. Use charge = (net + fixed) ÷ (1 − rate). To net $100 through Stripe at 2.9% + $0.30 you must charge (100 + 0.30) ÷ (1 − 0.029) = $103.30, not $102.90. The Gross-up mode does this for you.
As verified on 2026-07-04: Stripe online cards are 2.9% + $0.30; PayPal Checkout is 3.49% + $0.49; Square online is 3.3% + $0.30 (raised from 2.9% on 13 January 2026). In-person and manually-keyed rates differ per processor. Pick the exact rate card in the tool and always confirm on the provider's own pricing page, since fees change.
It depends on the amount and the transaction type, because each processor mixes a percentage and a fixed fee differently — a lower percentage with a higher fixed fee can lose on small charges but win on large ones. Compare mode ranks every processor by what you actually receive on your specific amount, highest first.
Processor pricing is not published as a machine-readable feed, so the rates here are entered by hand from each provider’s pricing page and stamped with a verifiedOn date. Providers change fees (Square raised its online rate from 2.9% to 3.3% in January 2026), so we re-check quarterly and you should confirm the current rate at the source before quoting a customer.
Yes — it is free with no sign-up, and every calculation runs entirely in your browser. Nothing you enter is sent to a server or stored.
Method, assumptions & references
Methodology: fee = amount × rate% + fixed; net = amount − fee; effective rate = fee ÷ amount. Gross-up (charge to net a target) = (net + fixed) ÷ (1 − rate), not net × (1 + rate). Rates are US standard cards entered by hand and stamped with a verifiedOn date; international, currency-conversion and dispute fees are not included. All calculations run client-side; nothing is stored.
Cross-links
How we calculate this
Reviewed by Reckonist Editorial · Last reviewed 4 July 2026. Figures follow the methods and sources set out in our editorial standards.
Processor fees are entered from public pricing pages and re-verified quarterly; they can change at any time and may vary by plan, region, card type and negotiated rate. Confirm the current fee with your processor before relying on these figures. This is not financial advice.
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