What are standard PayPal merchant transaction fees?

Standard US domestic PayPal commercial transactions typically charge 2.99% + $0.49 per transaction, while international transactions incur additional cross-border processing surcharges (typically +1.5%).

What are standard Stripe payment processing fees?

Stripe standard credit card processing rates for domestic transactions are 2.9% + $0.30 per successful card charge, with an additional +1.5% fee for international credit cards.

How do I calculate how much to invoice to receive an exact amount?

To receive an exact net target amount, use the gross-up formula: Invoice Amount = (Desired Net Amount + Fixed Fee) / (1 - Percentage Rate). Our tool calculates this automatically.

Is my transaction or payment data saved?

No. All calculation scripts run locally in your web browser using JavaScript. No financial inputs, client invoices, or transaction amounts are saved or logged.

Free PayPal & Stripe Fee Calculator | Calculate Merchant Transaction Fees

Payment Gateway

Transaction Amount ($)

Understanding Payment Gateway Merchant Processing Fees

When running an e-commerce store, freelancing business, digital agency, or SaaS platform, processing credit card payments via PayPal or Stripe involves transaction processing fees. Every time a client pays an invoice, payment gateways deduct a combination of a percentage rate (e.g., 2.9%) and a small fixed transaction fee (e.g., $0.30).

Our free PayPal & Stripe Fee Calculator helps merchants and freelancers understand exact profit margins. It calculates the net payout you will receive after fees, as well as the exact gross amount you must charge your client to cover transaction fees completely.

Standard Payment Gateway Fee Formulas Explained

Calculating payment gateway deductions requires applying two primary financial formulas:

1. Net Take-Home Amount Formula

When you send a client an invoice for a set dollar amount ($A$), the payment processor calculates the fee and net payout using:

$$\text{Processing Fee} = (A \times \text{Percentage Rate}) + \text{Fixed Fee}$$

$$\text{Net Received} = A - \text{Processing Fee}$$

2. Required Invoice (Gross-Up) Formula

If you want to receive an exact net amount ($N$) in your bank account after fees are subtracted, you must invoice a slightly higher gross amount ($G$):

$$G = \frac{N + \text{Fixed Fee}}{1 - \text{Percentage Rate}}$$

Example: To take home exactly $100.00 on Stripe domestic (2.9% + $0.30), you must invoice the client **$103.30**.

Features of MicroToolStack's Merchant Fee Calculator

Pre-Configured Rates: Features up-to-date domestic and international fee tiers for both PayPal Commercial and Stripe Payments.
Custom Gateway Option: Supports custom percentage and fixed fee inputs for other merchant providers (such as Square, Razorpay, or Authorize.net).
Dual Direction Calculation: Instantly view both what you take home and what you should invoice.
100% Free & Private: All mathematical processing occurs locally inside your web browser. No invoice amounts or transaction logs are stored.

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Frequently Asked Questions (FAQs)

What is Stripe's standard transaction fee?

Stripe's standard domestic credit card rate is 2.9% + $0.30 per successful transaction. International cards incur an extra +1.5% cross-border fee.

What is PayPal's standard merchant commercial fee?

PayPal's standard US domestic commercial transaction fee is 2.99% + $0.49 per transaction, with cross-border international sales incurring additional percentage fees.

Is my transaction or payment data stored on your server?

No. All calculations run client-side inside your web browser using JavaScript. No financial inputs or invoice values are logged or uploaded.

Is this Fee Calculator free to use?

Yes, MicroToolStack's Payment Gateway Fee Calculator is completely free with no usage limits or registration required.