Quickly calculate Stripe and PayPal fees, net received, and the amount to charge for a target net.
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Open →Convert between world currencies, several at once. Rates update daily and are for reference only.
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The Payment Processing Fee Calculator estimates card and wallet fees for Stripe (US, Japan, UK, Germany) and PayPal US. Formula: fee = (rate + surcharges) × amount + fixed fee, rounded to the currency's smallest unit, and net = amount − fee. Besides the forward estimate it works backwards to what you must charge to receive a target amount, and adds a plan comparison, monthly volume, a break-even amount, and the cost of refunds and disputes; markets that are not built in can use a custom rate.
Built in are Stripe's standard rates for the US, Japan, the UK and Germany, and PayPal US rates for checkout, Venmo, advanced cards and QR code. For other markets, or rates you negotiated, choose "Custom rate" and enter the percentage, fixed fee and currency.
Enter the amount you want to receive and the tool finds the smallest amount to charge: roughly (net + fixed fee) ÷ (1 − rate), rounded up to the currency's smallest unit and then re-checked with the forward formula so the net after fees is never below your target. It suits passing fees on to customers or pricing a fee-inclusive amount.
According to Stripe and PayPal, refunds do not return the processing fee originally charged, so a full refund costs the merchant that fee. Chargebacks and disputes carry a separate fixed dispute fee, shown per plan on the "Refunds & disputes" tab, not counting the sale itself if you lose the dispute.
Ticking "International card / cross-border" or "Currency conversion needed" adds the surcharge percentage that plan publishes; PayPal's fixed fee switches to PayPal's published per-currency table according to the "received currency" (USD and JPY differ, for example). PayPal's conversion spread is generally 3% and 4% in cases such as paying in a currency other than the listed one; the tool uses 3% and notes this.
Stripe's Japan page lists the card rate without saying whether it includes consumption tax, so the tool assumes neither; rely on your invoice and contract. That is why a "tax treatment not stated" note appears with the Japan plan.
Rates are static data maintained by hand against the official pages; sources, page dates and the verification date are listed under the tool, and a warning appears if it has not been verified for more than 45 days. They are estimates at public standard prices, excluding negotiated pricing, volume discounts, taxes and local payment methods, and this tool is not affiliated with Stripe or PayPal; your statements decide the real cost.
The tool rounds the fee half-up to the currency's smallest unit (to the cent for dollars, to whole numbers for yen). Processors may round slightly differently, so a single payment can differ by one minor unit; for large volumes, your statement is authoritative.
2.9% + $0.30
Rate sources and verification
Data verified on 2026-10-20
This tool is not affiliated with Stripe or PayPal. Rates are public standard prices and exclude negotiated pricing, volume discounts, taxes and local payment methods; your invoices decide the real cost.
