Payment Fee Calculators
When a customer pays you directly, by invoice, on your own site or in person, the payment processor takes its fee before the money arrives. The fee is usually a percentage plus a fixed amount per payment, and the rate depends on how the customer paid.
Each calculator works in both directions: what you keep from an amount, or what to charge so that a set amount reaches you. The fixed part of the fee matters more than it looks: on a small payment it can double the effective rate.
| Processor | Standard online rate | Fee on $20 | Fee on $100 |
|---|---|---|---|
| PayPal Checkout | 3.49% + $0.49 | $1.19 | $3.98 |
| Stripe | 2.9% + $0.30 | $0.88 | $3.20 |
| Square (Free plan, online) | 3.3% + $0.30 | $0.96 | $3.60 |
| Shopify Payments (Basic) | 2.9% + $0.30 | $0.88 | $3.20 |
| Venmo (business profile) | 1.9% + $0.10 | $0.48 | $2.00 |
US rates for a domestic payment. Subscriptions, hardware and negotiated pricing are not included.
All calculators in this category
- PayPal Fee CalculatorCheckout 3.49% + $0.49, goods and services 2.99%, cards, Pay Later and international. Works in both directions.
- Shopify Fee Calculator2.9% + $0.30 online on Basic, down to 2.5% + $0.30 on Advanced. Third-party provider fee included.
- Square Fee Calculator2.6% + $0.15 in person, 3.3% + $0.30 online on Square Free. Plus and Premium rates included.
- Stripe Fee Calculator2.9% + $0.30 online, 2.7% + $0.05 in person. Works out what you keep or what to charge.
- Venmo Fee Calculator1.9% + $0.10 on business profiles, 2.99% for goods and services. Instant transfer fee included.