PayPal Fee Calculator (Stripe, Square)
Calculate PayPal, Stripe, and Square merchant processing fees, net payouts, and target invoice amounts. Your work stays on this device whenever possible.
How to use PayPal Fee Calculator (Stripe, Square)
- Pick a schedule in 'Payment Gateway / Platform', or choose 'Custom Gateway Fee Schedule' and fill 'Fee Percentage (%)' and 'Fixed Fee ($)'.
- Set 'Calculation Direction' to 'I am receiving $X' to deduct fees, or 'I want to receive $X Net' to work out the invoice needed.
- Choose a symbol in 'Currency' and type the amount into 'Transaction Amount ($)'.
- Press 'Calculate Fees' and read the fee, net payout and effective percentage.
- Open the 'Gateway Fee Comparison' table to see all verified provider schedules with direct links to their official pricing pages.
Worked example
Select 'Stripe (US online card)' with 2.90% and a fixed fee of 0.30, direction 'I am receiving $X', amount 250.00. Fee = 250 × 0.029 + 0.30 = 7.25 + 0.30 = 7.55, so net payout is 242.45 and the effective rate is 3.02%. In the net-target direction, 1,000 net needs an invoice of about 1,030.18.
When to use this tool
- A freelancer deciding what invoice total to send so exactly 1,000 lands in the account.
- A shop owner comparing an in-person card rate with an online checkout rate on the same sale.
Important limitations
Calculations reflect published merchant card fee schedules for standard domestic and international transactions. Enterprise negotiated volume rates, chargeback fees, currency conversion spreads, and non-profit discounts can differ.
Comparing alternatives
Other options for paypal fee calculator (stripe, square) include FeeJungle, Omni Calculator, SaleCalc.
ToolkitPoint is not affiliated with those services.
Frequently asked questions
Are the preset rates current?
Preset schedules for Stripe, PayPal, and Square are verified against each provider's official US pricing page and linked directly in the tables. Because rates vary by merchant account tier, every rate is editable and saved in this browser.
How does the net-target direction work?
The invoice is (net + fixed fee) ÷ (1 − percentage ÷ 100). For a 1,000 net at 2.90% + 0.30 that is 1,000.30 ÷ 0.971 ≈ 1,030.18. Simply adding the fee to 1,000 would leave you about 0.85 short.
Does the currency menu convert money?
No, it only switches the displayed symbol. The fixed fee stays whatever number you type, so enter it in the same currency as the amount.
What does the comparison table show?
Seven verified schedules (Stripe US Online, PayPal Checkout & Invoicing, PayPal Standard Card, PayPal Micropayments, Square Online Free, Square Online API/Plus, and Square In-Person) run against your amount and direction, showing fee, net received, and official source links.
What is left out of the calculation?
The single-charge card uses the selected percentage and fixed fee. The extended section adds toggles for international cards (+1.5%), currency conversion spreads (+1.0% Stripe, +4.0% PayPal), monthly volume with refund fees, and a two-gateway break-even chart.