About US Stripe & PayPal Fee Estimator

US Stripe & PayPal Fee Estimator was built by fintech engineers and software founders with one core mission: to eliminate the ambiguity of payment processing deductions for digital agencies, SaaS companies, freelancers, and enterprise merchants across the United States.

Why We Built This Tool

Modern payment processing is notorious for hidden rate complexities: standard domestic card interchange fees, international card surcharges (+1.5%), currency conversion spreads (+1.0% to +4.0%), and ACH direct debit ceilings.

Many merchants make the common mistake of simply adding 2.9% to their target price when invoicing a client—only to find that because the gateway deducts its percentage from the new higher total, their net payout is short. We developed our proprietary Gross-Up Equation Engine to solve this exact mathematical shortfall instantly.

Our Engineering Principles

• 0kb Framework Overhead: Built on Astro SSG with pure Vanilla JavaScript for sub-30ms global load times and 100/100 Google Lighthouse efficiency.
• Zero Data Monopolization: All mathematical computations run purely in your client browser. We do not store or track your invoice values on private backend servers.
• Continuous 2026 Rate Alignment: Our rate matrix is continuously maintained against the latest publicly available Stripe and PayPal merchant pricing structures.

Contact & Suggestions

Have feedback, noticed an upcoming fee schedule change, or want to suggest an additional payment gateway? Reach out to our engineering team directly via our Contact Page.