Payment processing fee calculator
Enter your monthly card payments and compare what each processor's published US rate would cost, and what to charge to receive a set amount.
Free, runs in your browser, no sign-up. Updated 2026-10-25.
Result
2,000 payments of $60.00 ($120,000 a month). Lowest listed: Stripe, standard US card payments, $4,080 a month (3.4% of volume).
- Card volume / month
- $120,000
- To receive $100 on Stripe, charge
- $103
| Plan | Fees / month | Effective rate | Per payment |
|---|---|---|---|
| Stripe, standard US card paymentsinternational surcharge not verified; not included | $4,080 | 3.4% | $2.04 |
| PayPal advanced credit and debit cards (US) | $4,228 | 3.52% | $2.11 |
| PayPal standard credit and debit cards (US) | $4,748 | 3.96% | $2.37 |
| PayPal Checkout (US) | $5,348 | 4.46% | $2.67 |
Standard US list prices, checked 2026-10-25. Refunds, disputes, payouts, currency conversion and negotiated rates are not included. Square is not listed because its fee page did not say which plan each rate belongs to.
Assumptions
Every number the result depends on, and where it comes from. Change any value and the result updates.
| Assumption | Value | Source |
|---|---|---|
| Stripe, standard US card payments: rate per payment | 2.9 % | Stripe fees: 2.9% + $0.30Checked 2026-10-25 |
| PayPal Checkout (US): rate per payment, +1.5% international | 3.5 % | PayPal fees: 3.49% + $0.49Checked 2026-10-25 |
| PayPal standard credit and debit cards (US): rate per payment, +1.5% international | 3 % | PayPal fees: 2.99% + $0.49Checked 2026-10-25 |
| PayPal advanced credit and debit cards (US): rate per payment, +1.5% international | 2.9 % | PayPal fees: 2.89% + $0.29Checked 2026-10-25 |
Send this comparison to OceanLab
Opens an email to OceanLab with this result and a link to your inputs. Nothing is sent until you press send, and there is no sign-up.
How this is calculated
Fee per payment = payment × rate + fixed fee. Keyed-in payments use the manual-entry rate where the processor publishes one. International cards add the published surcharge where one was verified.
Effective rate = monthly fees ÷ monthly card volume.
Price to charge to receive an amount = (amount + fixed fee) ÷ (1 − rate).
Rates are standard US list prices from each processor's own page on the date shown. Square is not listed because its fee page did not say which plan each rate belongs to; Stripe's international surcharge could not be verified and is not included.
Sources
- Stripe fees · checked 2026-10-25
- PayPal fees · checked 2026-10-25
Questions about this tool
Why is my real rate different?
Refunds, disputes, currency conversion, payouts and negotiated or interchange-plus pricing all change it. This compares list prices on the same volume.
Does the fixed fee matter?
Yes, on small payments. A $0.30 fee is 3% of a $10 payment but 0.3% of a $100 one, so the cheapest processor can change with your average payment.
Can I add my own processor?
Yes. Enter its rate, fixed fee and international surcharge and it joins the table.
Is anything I enter sent anywhere?
No. The tool runs in your browser and there is no sign-up. Nothing leaves the page unless you choose to email your result to OceanLab.
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