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Stripe & PayPal Fee Calculator (Europe, UK & US)

Accurately compute transaction deductions, cross-border card charges, and generate the exact reverse invoice figure to eliminate credit card processing losses.

$

Standard Rate: 2.9% + $0.30

Total Fee Deducted
-$29.30
Percentage Cut: $29.00 (2.9%)
Fixed Transaction Fee: $0.30
Net Amount in Bank
$970.70
Effective Fee Rate: 2.93%
Payout Schedule: Rolling 2 Business Days
Calculation Engine: Sub-10ms Local
Exact Amount to Invoice Reverse Fee
$1,030.18

Invoice this exact total so that after Stripe cuts fees, you receive precisely $1,000.00 in your bank.

Formula: (Net + f) / (1 - r)

Direct Comparison: On a $1,000.00 transaction, Stripe saves you $6.09 compared to PayPal.

How to Use This Stripe & PayPal Fee Calculator

Follow these simple sequential steps to forecast deductions on domestic card payments, determine client invoice charges, or compare fee differentials between payment processors:

  1. Select your target jurisdiction and currency: Choose between US Dollars ($), British Pounds (£), or Euros (€) using the top region switch. Fee schedules automatically adjust to local interchange regulation standards.
  2. Enter your target transaction amount: Input the gross client charge or use the one-click preset buttons ($100, $500, $1,000, $2,500, $5,000).
  3. Choose your gateway provider: Toggle between Stripe (standard card processing) and PayPal (commercial goods & services).
  4. Specify card origin: If your client is located outside your home country, select International (+1.5%) and toggle currency conversion if the settlement currency differs from your bank account.
  5. Review instant outputs: Examine your Net Received in Bank and copy the Exact Amount to Invoice directly into your accounting software (FreshBooks, QuickBooks, Xero, or Stripe Billing).
PAYMENT INTERCHANGE & FEE FLOW DIAGRAM CLS Guarded: 768 × 340
Customer / Client Pays: $1,030.18 → Stripe / PayPal Gateway Variable Cut: 2.9% ($29.88) Fixed Fee: $0.30 Total Gateway Cut: $30.18 → Merchant Payout Net: $1,000.00 KEY PLATFORM DISTINCTIONS (2026 BENCHMARK): Stripe US: 2.9% + $0.30 domestic standard. European consumer cards only 1.5% + €0.25 (capped interchange). PayPal US: 3.49% + $0.49 for standard commercial transactions. Premium rates applied to foreign cards. Wise Business: Zero percentage merchant gateway cuts on local bank transfers; flat exchange rate fee (~0.4%).
Figure 1: Programmatic structural flow of a reverse-invoiced transaction through credit card networks.

Formula & Financial Breakdown Explained

Most business owners make the mistake of calculating processing deductions in reverse using basic subtraction. For example, assuming a 2.9% fee on $1,000 means charging $1,029.00. However, when Stripe processes $1,029.00, it deducts 2.9% from the entire $1,029.00, yielding only $998.86—leaving you $1.14 short.

Standard Forward Fee Deduction Formula:
\text{Net Received} = T - \left( T \times r + f \right)
Where T is Total Amount, r is Percentage Rate (e.g. 0.029), and f is Fixed Fee (e.g. $0.30).
Exact Reverse Invoice Formula (To Receive Target Net):
\text{Invoice Amount} = \frac{\text{Desired Net} + f}{1 - r}
Proof for $1,000 target: (1000 + 0.30) / (1 - 0.029) = 1000.30 / 0.971 = $1,030.175 → $1,030.18.

When international cross-border interchange applies, the percentage rate increases by +1.5% (represented as r = 0.044). If an additional currency exchange conversion of 1% is incurred, the formula adjusts dynamically with r = 0.054.

Industry Standard Rates Comparison Table (US, UK & EU 2026)

Compare base transaction costs across major payment channels for small business and agency operations.

Gateway & Tier Domestic Consumer Commercial / Corporate Cross-Border Foreign FX Conversion
Stripe United States 2.9% + $0.30 2.9% + $0.30 +1.50% +1.00%
Stripe United Kingdom 1.5% + £0.20 1.9% + £0.20 +1.50% +1.00%
Stripe European Union 1.5% + €0.25 1.9% + €0.25 +1.50% +1.00%
PayPal US Commercial 3.49% + $0.49 3.49% + $0.49 +1.50% 3.00% – 4.00%
PayPal UK Commercial 2.90% + £0.30 2.90% + £0.30 +1.50% 3.00% – 4.00%
Wise Business 0.0% (Bank ACH) 0.0% (Bank ACH) Mid-market rate 0.35% – 0.45%
AI

Quick Transaction Answers & Key Rates (2026)

  • ✓ PayPal $100 Fee: Charges $3.98 on US commercial transactions (3.49% + $0.49), netting $96.02.
  • ✓ Stripe $100 Fee: Charges $3.20 in the US (2.9% + $0.30) and €1.75 in the EU (1.5% + €0.25).
  • ✓ Zero-Deduction Invoice: Bill (Net + Fixed) / (1 - Rate) to receive 100% of desired earnings.
  • ✓ Platform Comparison: Stripe is $6.09 cheaper per $1,000 than PayPal for domestic commercial invoicing.
Direct Answers

Frequently Asked Questions

Exact fee schedules, mathematical formulas, and merchant processing comparisons.

How much does PayPal charge on a $100 transaction? US Commercial

PayPal charges $3.98 on a standard US domestic commercial transaction of $100 (3.49% + $0.49), resulting in a net payout of $96.02. For international payments, an additional 1.50% cross-border fee applies.

How much does Stripe charge on a $100 transaction? US Standard

Stripe charges $3.20 on a standard US domestic $100 transaction (2.9% + $0.30), leaving a net payout of $96.80. In the UK and Europe, interchange caps lower Stripe fees to 1.5% + €0.25 (or £0.20), totaling approx. €1.75 on €100.

How do I calculate the invoice amount so the client covers payment processing fees?

Use the reverse fee formula: Gross Invoice = (Desired Net + Fixed Fee) / (1 - Percentage Fee). To receive an exact net payout of $1,000 via Stripe US (2.9% + $0.30), you must invoice $1,030.18.

Is PayPal or Stripe cheaper for small business invoices?

Stripe is substantially cheaper than PayPal for standard card transactions. On a $1,000 transaction, Stripe charges $29.30 (net $970.70) while PayPal charges $35.39 (net $964.61), saving you $6.09 per $1,000 billed.

Is this PayPal and Stripe fee calculator free to use without registration?

Yes, FeeCheckTools is completely free to use with zero registration, login, or software downloads required. All calculations run instantly in your browser with complete privacy.

Sources & Methodology

All fee computations and rates are strictly estimates modeled directly on public fee documentation and statutory schedules: