Payment processing
Compare PayPal and Stripe processing costs by estimating per-transaction fee, net received, effective rate, and monthly fee difference.
Rules updated
2026-07-09
Access verified: 2026-07-09
Defaults are editable assumptions. Adjust them to your country, payment method, and contracted rates.
Per-transaction fee = transaction amount × percentage rate + fixed fee.
Monthly fees = unrounded per-transaction fee × monthly transaction count. Displayed values are rounded to cents.
Monthly difference is the absolute gap between PayPal and Stripe monthly fees.
PayPal and Stripe both have multiple transaction types, international cards, currency conversion, disputes, refunds, and offline rates. This tool compares editable base rates only.
Small orders are more exposed to fixed fees. Review effective rate rather than percentage rate alone.
The default models a common US PayPal Checkout commercial transaction assumption of 3.49% plus $0.49, but PayPal has many payment-type rates.
The default models a common US domestic online card assumption of 2.9% plus $0.30. International, invoicing, and other products can differ.
Not necessarily. Conversion rate, buyer trust, payout timing, disputes, subscriptions, tax tooling, and platform integrations can matter more than the raw fee difference.
This tool is for business planning and education only. It is not financial, tax, legal, or marketplace compliance advice. Platform fees, promotions, logistics, taxes, refunds, payment processing, statement adjustments, and exchange rates change. Use official dashboards, settlement reports, advisors, and contracts as the source of truth.