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Stripe vs PayPal Fees
Compare net payout on the same charge using US default rates. Stripe 2.9% + $0.30 vs PayPal Checkout 3.49% + $0.49.
Compare a charge
Stripe 2.9% + $0.30 vs PayPal Checkout 3.49% + $0.49 (US defaults).
Stripe nets more
$0.78
Difference in net payout on a $100.00 charge. Stripe: $96.80 · PayPal: $96.02.
- Stripe fees
- $3.20 (3.2%)
- Stripe net
- $96.80
- PayPal fees
- $3.98 (4.0%)
- PayPal net
- $96.02
Related calculators
Head-to-head: US online rates
Both processors charge a percentage plus a fixed fee per transaction. Stripe's standard US online rate is lower on both components, so Stripe usually nets more — especially on small and mid-size charges where fixed fees matter.
| Stripe (online) | 2.9% + $0.30 |
| PayPal Checkout | 3.49% + $0.49 |
| International surcharge (each) | +1.5% |
Official sources
Rates and formulas in this calculator are based on the documentation below. Platforms change fees — confirm current numbers before pricing or payouts.
Common questions
Which is cheaper for a $100 online sale?
Stripe (2.9% + $0.30) typically nets more than PayPal Checkout (3.49% + $0.49) on the same charge. The gap widens on larger amounts because PayPal's percentage rate and fixed fee are both higher.
Does this compare all PayPal transaction types?
This comparison uses PayPal Checkout — the most common ecommerce integration. PayPal card payments (2.99% + $0.49) or goods & services (2.99%) may net closer to Stripe depending on your setup.
What else should I consider besides the fee rate?
Checkout conversion, payout speed, dispute handling, international support, and whether you already use one platform for subscriptions or invoicing often matter as much as a few cents per transaction.