Payment Fee Calculator
See what Stripe, PayPal, Square or Razorpay will take from a payment, what you’ll receive, and how much to invoice to receive an exact amount.
- 4 gateways, 7 regions
- Reverse: amount to invoice
- GST on fees
- Runs in your browser
Fee rate
Monthly cost
To receive exactly $100 after fees, invoice:
—Compare gateways for this amount
| Gateway | Rate | Fee | You receive |
|---|
Calculated in your browser – nothing is sent or stored.
How to calculate payment fees
- Pick the gateway and countryRates fill in from the provider’s standard published pricing. Edit them if your account has different rates.
- Set the payment typeTick international card or currency conversion if they apply. In India, 18% GST on the fee is added automatically.
- Read the resultSee the fee, what you receive, and the amount to invoice so that you receive exactly what you want after fees.
Stripe, PayPal, Square and Razorpay fees
Payment gateways usually charge a percentage of each payment plus a small fixed fee, with extra for international cards and currency conversion. Knowing the exact fee helps you price products, quote clients and invoice the right amount.
| Gateway (country) | Domestic card | International card |
|---|---|---|
| Stripe (US) | 2.9% + $0.30 | 4.4% + $0.30 |
| Stripe (UK) | 1.5% + 20p | 3.25% + 20p |
| Stripe (Europe) | 1.5% + €0.25 | 3.25% + €0.25 |
| PayPal (US) | 3.49% + $0.49 | 4.99% + $0.49 |
| Square (US, online) | 2.9% + $0.30 | 2.9% + $0.30 |
| Razorpay (India) | 2% + 18% GST on the fee | 3% + 18% GST on the fee |
Standard published rates as of 2026; currency conversion adds 1–4% depending on the provider. Large businesses can often negotiate lower rates.
Frequently asked questions
How much does Stripe charge?
In the US, Stripe’s standard online card rate is 2.9% + $0.30, plus 1.5% for international cards and 1% if currency conversion is needed. UK cards cost 1.5% + 20p, and EEA cards in Europe 1.5% + €0.25. Rates differ by country and payment method, and volume discounts are available.
How much does PayPal take from a $100 payment?
At PayPal’s US commercial rate of 3.49% + $0.49, PayPal takes $3.98 from a $100 domestic payment, so you receive $96.02. International payments add 1.5%, making the fee $5.48.
How do I calculate how much to invoice to cover fees?
Divide the amount you want to receive plus the fixed fee by one minus the percentage fee: (amount + fixed) ÷ (1 − rate). To receive $100 with Stripe’s 2.9% + $0.30, invoice $103.30. The calculator does this for you, including GST on fees.
Is GST charged on payment gateway fees in India?
Yes. Indian payment gateways charge 18% GST on their fee. A 2% Razorpay fee on ₹10,000 is ₹200 plus ₹36 GST, so ₹236 in total. Businesses registered for GST can usually claim it back as input tax credit.
Can I receive PayPal payments from customers in India?
PayPal stopped domestic payments within India in April 2021. Indian businesses and freelancers can still receive international payments, at about 4.4% plus a fixed fee, along with a currency conversion margin.
Is it legal to pass card fees on to customers?
It depends on where you are. Surcharging credit cards is banned in the UK and EU for consumer payments, and restricted or capped in parts of the US and Australia. Building the fee into your price is always allowed – check local rules before adding a surcharge.
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