| Processor | Rate | Fee on this amount | You receive |
|---|
How Stripe and PayPal fees are calculated
Card processors charge a percentage of each payment plus a fixed fee per transaction. Standard US online pricing is 2.9% + $0.30 for Stripe and 3.49% + $0.49 for PayPal checkout; international cards and currency conversion add extra percentage points.
Formula
Fee = Amount x Percentage + Fixed fee You receive = Amount - Fee To receive X, charge = (X + Fixed fee) / (1 - Percentage)
Example
On a $100 Stripe payment: $100 x 2.9% + $0.30 = $3.20 fee, so you receive $96.80. To receive exactly $100, charge ($100 + $0.30) / 0.971 = about $103.30.
Frequently asked questions
How much does Stripe charge per transaction?
Standard US pricing is 2.9% + $0.30 per successful card charge. International cards and currency conversion add extra fees. Check Stripe's pricing page for your country.
How do I pass the Stripe fee to the customer?
Gross up the price: charge (desired amount + fixed fee) / (1 - percentage). Surcharging rules differ by country and card network, so check local rules first.
Is Stripe or PayPal cheaper?
At standard US rates Stripe (2.9% + $0.30) is cheaper than PayPal checkout (3.49% + $0.49) for most amounts, but negotiated and regional pricing can change that.