PayPal & Stripe Fee Calculator
Pick a processor and enter the sale amount. See the fee, your net payout, and the gross-up amount if you want to absorb the fee and still pocket the original sum.
Quick answerFee = amount × percentage + flat fee. To net a target amount, charge (target + flat) ÷ (1 − percentage). Stripe US: 2.9% + $0.30. PayPal US goods: 3.49% + $0.49.
Your numbers
Edit any field — results update as you type.
$
Net payout
$96.80
Fee: $3.20 (3.20% effective). Rate: 2.9% + $0.30.
Sale
$100.00
Fee
$3.20
Net
$96.80
Want to absorb the fee? Charge $103.30 so that after the 2.9% + $0.30 fee, you still net $100.00. The fee on the higher amount is $3.30.
How processor fees work
Card processors charge two parts on every transaction: a percentage of the sale and a flat fee per transaction. The flat fee makes small sales disproportionately expensive — a $5 sale at 2.9% + $0.30 loses 8.8% to fees, not 2.9%.
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Last updated: 2026-05-14