Educational tool
Payment fee calculator
Enter the rate you are actually evaluating to see what it could cost at your volume. This is an educational model, not a quote—no provider is preloaded.
Verified Sep 28, 2026
Current published examples
US examples from first-party pricing pages. They are not apples-to-apples: rates depend on plan, payment type, market, or custom terms. Copy the one that matches your situation into the calculator.
| Provider | Published example | Rate | Source |
|---|---|---|---|
| Stripe | US domestic online card (standard) | 2.9% + 30¢ | Official pricing |
| Manually entered card | +0.5% | ||
| International card | +1.5% | ||
| Currency conversion required | +1% | ||
| ACH Direct Debit | 0.8%, $5 cap | ||
| PayPal | PayPal Checkout | 3.49% + $0.49 | Official pricing |
| PayPal Guest Checkout | 3.49% + $0.49 | ||
| Standard credit and debit card payments | 2.99% + $0.49 | ||
| Pay with Venmo | 3.49% + $0.49 | ||
| PayPal Pay Later | 4.99% + $0.49 | ||
| International commercial transactions | +1.50% | ||
| Square | Online API | 2.9% + 30¢ | Official pricing |
| Online rates shown across plan columns | 3.3% + 30¢ or 2.9% + 30¢ | ||
| Adyen | Processing fee (many payment methods) | $0.13 | Official pricing |
| Payment-method fee | Varies by method, market and model |
Adyen’s figures are indicative and its payment-method fee varies. Square’s online rate depends on plan/service. Read the payment fees guide, payments desk, or Stripe vs PayPal.
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