Fee Calculator
Calculate transaction fees for Stripe, PayPal, Etsy, and Shopify. Enter an amount to see the fee breakdown and exactly what you'll receive.
How to Use the Fee Calculator
- Select your platform — Choose Stripe, PayPal, Etsy, or Shopify from the dropdown. Fee rates update automatically for each platform and country.
- Enter an amount — Type the transaction amount in your preferred currency. The calculator shows both standard and detailed fee breakdowns.
- Switch countries — Change the country to see how rates differ for the UK, Canada, Australia, and other regions where fees vary significantly.
- Copy the result — Use the gross-up feature to calculate how much to charge to receive a specific net amount after fees.
Understanding Transaction Fees Across Platforms
Every payment processor charges a combination of percentage-based and fixed fees per transaction. Stripe typically charges 2.9% + $0.30 for US card transactions, while PayPal charges 2.99% + $0.49 for goods and services. Etsy sellers pay 6.5% per transaction plus a listing fee, and Shopify charges varying rates depending on your plan and whether you use Shopify Payments or a third-party gateway. These percentages may seem small individually, but they compound significantly for high-volume merchants — a business processing $50,000 monthly could lose $1,450 or more in fees depending on the platform and average transaction size.
International transactions almost always cost more. Cross-border fees add 1-2% on top of standard rates for both Stripe and PayPal, and currency conversion adds another 1-2%. For marketplaces like Etsy, fees apply to the total transaction amount including shipping charges, which can be a surprise for sellers who don't account for the full cost. Using this fee calculator before setting prices ensures you maintain your target margins regardless of which platform and country your customers are in.
Frequently Asked Questions
Does the calculator include international fees?
Yes. When you select a country outside the base region, the calculator factors in cross-border fees and currency conversion surcharges where applicable. These vary by platform — Stripe adds 1% for international cards, while PayPal adds 1.5% for cross-border transactions.
What is the gross-up feature?
The gross-up feature calculates how much you need to charge a customer so that after fees are deducted, you receive exactly your desired net amount. For example, if you want to receive $100 after Stripe's 2.9% + $0.30 fee, you would need to charge approximately $103.30.
Are these fee rates always current?
Fee rates are updated regularly to reflect published rates from each platform. However, enterprise merchants with custom pricing or volume discounts may have different rates. Always verify with your processor's dashboard for your specific rate.
Does Etsy charge fees on shipping too?
Yes. Etsy's transaction fee applies to the total order amount including item price, shipping, and gift wrap. This calculator includes the full transaction fee calculation based on the total amount you enter.
Do Shopify fees vary by plan?
Yes. Shopify's transaction fees depend on your plan tier and whether you use Shopify Payments. Basic plan users pay 2.9% + $0.30 with Shopify Payments, or an additional 2% fee when using a third-party gateway. Higher-tier plans get reduced rates.