How to Use the Stripe & PayPal Merchant Fee Calculator
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1
Choose your calculation mode: 'Standard Payout' (forward) or 'Reverse Markup' (how much to invoice).
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2
Select your payment provider (Stripe, PayPal, Square, or Custom).
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3
Enter the transaction or desired net deposit amount.
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4
Toggle international cards or currency conversion surcharges if applicable.
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5
View the net payout, total fees, effective fee percentage, and copy the itemized invoice summary.
Practical Example & Use Case
A freelance web designer wanting to receive exactly $1,000 in their bank account uses Reverse Markup mode to discover they must invoice the client $1,030.18 on Stripe.
Technical Notes & Limitations
Calculates standard published merchant fee schedules. Custom enterprise negotiated interchange-plus rates can be configured using the 'Custom Rate' preset.
Frequently Asked Questions
What is the standard Stripe processing fee?
Stripe US standard domestic credit and debit card processing is 2.9% + $0.30 per successful transaction, with a +1.5% surcharge for international cards.
How does Reverse Markup mode work?
Reverse Markup solves the algebraic formula `Gross = (TargetNet + FixedFee) / (1 - PercentageFee)` so after the platform deducts its cut, you keep 100% of your target revenue.
Does this calculator support multi-currency formatting?
Yes. It supports USD ($), EUR (€), GBP (£), CAD (C$), and AUD (A$) with standard banking decimal rounding.