Compare Stripe vs PayPal fees, calculate exact transaction costs, estimate VAT and sales tax. Free calculators backed by official processor rate schedules. Updated April 2026.
Stripe charges 2.9% + $0.30 per domestic transaction — no monthly fees, no setup costs. Best for: SaaS businesses, subscription billing, developer-first integrations, and any business doing $50K+/month.
PayPal charges 3.49% + $0.49 per domestic transaction — no monthly fee. Best for: ecommerce businesses that benefit from PayPal's buyer recognition, international-heavy businesses, and sellers who also sell on eBay.
For a $100 sale, Stripe saves $0.78. At $100,000/month in volume, that's $780/month — or $9,360/year. Use our Stripe vs PayPal Comparator to calculate the exact difference for your volume.
Enter any transaction amount to see Stripe and PayPal fees side-by-side. Calculate exactly which processor is cheaper for your volume.
Open Comparator →Calculate exact Stripe fees for domestic and international transactions. Includes reverse calculation: how much to charge for a target net.
Open Calculator →Calculate PayPal transaction fees for domestic and international payments. Compute processing fees, net payout, and required charge for target net.
Open Calculator →Add or remove VAT from prices for EU and UK. Supports standard and reduced rates. Instant calculation for any VAT-inclusive or exclusive amount.
Open Calculator →Calculate US sales tax for all 50 states. Select state and locality for combined rates. Covers county, city, and special district taxes.
Open Calculator →Convert between USD, EUR, GBP, JPY, CAD, AUD and 50+ currencies. Essential for international ecommerce and cross-border payment calculations.
Open Converter →| Processor | Domestic Card Fee | Intl Card Fee | Fixed Fee | Monthly Fee | Refund Fee |
|---|---|---|---|---|---|
| Stripe | 2.9% | + 1% | $0.30 | None | None |
| PayPal | 3.49% | + 1.5% | $0.49 | None | None |
| Square (online) | 2.9% | + 1.5% | $0.30 | None | None |
| Square (in-person) | 2.6% | — | $0.10 | None | None |
Sources: Stripe Pricing, PayPal Business, Square — rates as of April 2026.
Enter your transaction volume and see exactly how much Stripe vs PayPal would cost you per month in 2026.
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