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trending_down Deduct Fees from Invoice
From Gross Total trending_up Charge Extra to Cover Fees
Target Net Payout Select Merchant Gateway & Region
Stripe US Standard 2.9% + $0.30 2.9% + $0.30 (Domestic Cards) Stripe International 3.9% + $0.30 3.9% + $0.30 (Cross-border + FX) Stripe ACH Direct Debit 0.8% + $0.00 0.8% (Capped at $5.00) PayPal Commerce US 3.49% + $0.49 3.49% + $0.49 (Standard Checkout) PayPal In-Person QR 1.9% + $0.10 1.90% + $0.10 (QR Transactions > $10) PayPal International 4.99% + $0.49 4.99% + $0.49 (Cross-border) Custom Gateway Rate 2.5% + $0.25 Custom negotiable processing fee
Gross Charged $1,000.00
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Processor Fees -$29.30
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Net Payout $970.70
Fee Breakdown Element Amount
% Variable processing fee 2.9% of transaction
-$29.00 paid Fixed gateway fee $0.30 flat per transaction
-$0.30 remove_circle_outline Total Deductions Effective rate: 2.93%
-$29.30 account_balance Net Payout to Bank Retained revenue
$970.70 Payment Allocation
Where the money goes 2.93% fee
Kept: $970.70
Fees: $29.30
lightbulb To receive a clean net payout of exactly $1,000.00 , switch to Charge Extra to Cover Fees and bill your client $1,030.18 .
Stripe US Standard Stripe
2.9% + $0.30
Est. Fee: -$29.30
Stripe International Stripe
3.9% + $0.30
Est. Fee: -$39.30
Stripe ACH Direct Debit Stripe
0.8% + $0.00
Est. Fee: -$8.00
PayPal Commerce US PayPal
3.49% + $0.49
Est. Fee: -$35.39
PayPal In-Person QR PayPal
1.9% + $0.10
Est. Fee: -$19.10
PayPal International PayPal
4.99% + $0.49
Est. Fee: -$50.39
Calculator guide How to use the Stripe & PayPal Fee Calculator Estimate payment processing fees, net payout and the amount to charge to receive a target amount.
01 Set inputs Choose values, units and assumptions.
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02 Apply the model Processing fee = Gross amount × percentage rate + fixed fee. Target gross = (Target net + fixed fee) ÷ (1 − percentage rate).
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03 Read the result Check the output against the assumptions before using it.
menu_book What this calculator does Choose a processing-fee preset or enter custom rates. The calculator can work forward from a customer charge to the merchant payout or reverse the formula to find the charge needed for a target net amount.
functions Formula & method Processing fee = Gross amount × percentage rate + fixed fee. Target gross = (Target net + fixed fee) ÷ (1 − percentage rate).
fact_check Assumptions & notes Processor pricing varies by country, payment method, currency and account type. Presets are estimates and should be checked against the processor’s current pricing. The calculator does not model every processor surcharge or dispute fee. 