Stripe vs PayPal Fee Comparison
Live 2026 economic shootout. Calculate exactly how much money you save by choosing the right gateway.
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Itemized Fee Breakdown
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United States Stripe Card Rate
Standard domestic transactions in United States are charged at 2.90% + $0.30 USD per successful charge.
United States PayPal Merchant Rate
Standard commercial payments in United States are processed at 2.99% + $0.49 USD per transaction.
Gross-Up Calculation
To receive your exact net payout in USD, use: Gross = (TargetNet + FixedFee) / (1 - Rate).
United States Payment Fee Comparison Table (USD)
Live rate benchmarks for standard domestic transactions in United States (USD $).
| Invoice Value (USD) | Stripe Fee (2.9%+$0.3) | Stripe Payout | PayPal Fee (3.0%+$0.49) | PayPal Payout |
|---|---|---|---|---|
| $100 | -$3.20 (3.20%) | $96.80 | -$3.48 (3.48%) | $96.52 |
| $500 | -$14.80 (2.96%) | $485.20 | -$15.44 (3.09%) | $484.56 |
| $1,000 | -$29.30 (2.93%) | $970.70 | -$30.39 (3.04%) | $969.61 |
| $5,000 | -$145.30 (2.91%) | $4854.70 | -$149.99 (3.00%) | $4850.01 |
| $10,000 | -$290.30 (2.90%) | $9709.70 | -$299.49 (2.99%) | $9700.51 |
Frequently Asked Questions (United States)
Essential answers regarding payment processing fees, currency spreads, and invoice gross-ups in United States.
How much does Stripe charge for transactions in United States?
For standard domestic transactions in United States, Stripe charges 2.90% plus $0.30 USD. For international cards or accounts, an additional cross-border fee of +1.5% applies.
How do I calculate the gross invoice amount in USD so I don't lose money on fees?
To receive your exact target amount in USD, use our built-in Gross-Up Mode. The formula is: Gross = (Target Net + $0.30) / (1 - 0.029).
Is Stripe cheaper than PayPal for merchants in United States?
In United States, Stripe domestic rate is 2.90% + $0.30 compared to PayPal's 2.99% + $0.49. For most digital businesses and freelancers, Stripe delivers higher net payouts per transaction.