Stripe vs PayPal Fees 2026: Which Is Cheaper for Your Business?
Stripe (2.9%+30ยข) vs PayPal (3.49%+49ยข) — see which payment processor saves more for your transaction volume.
Payment processing fees in 2026 vary significantly: Stripe charges 2.9%+$0.30 for domestic transactions while PayPal Business charges 3.49%+$0.49. For high-volume sellers, that gap compounds into thousands of dollars annually. Our payment guides cover Stripe vs PayPal fee comparisons, international transaction costs, VAT compliance for cross-border ecommerce, and exact formulas to calculate your true net payout. All rates are sourced from official processor pricing pages and verified April 2026. Whether you're running a Shopify store, accepting PayPal on eBay, or processing credit cards via Stripe, understanding your true processing cost per transaction is essential for accurate unit economics. Use our free payment calculators to compare Stripe vs PayPal, model international fees, and calculate VAT liability across UK, EU, and US markets.
Stripe (2.9%+30ยข) vs PayPal (3.49%+49ยข) — see which payment processor saves more for your transaction volume.
PayPal business fees 2026: 2.99% + $0.30 per transaction, international fees, QR code rates, and mass payment costs.
Stripe fees 2026: 2.9% + $0.30 per transaction, international fees, Instant Payout costs, and Radar fraud protection.