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Find how much to charge so you net exactly what you want.
⚠️ Passing processing fees on to customers (surcharging) is regulated and varies by country, US state, and card network — some regions ban it, others cap it or require disclosure. Check local rules before adding a surcharge. Rates shown are common presets as of 2026; your Stripe/PayPal plan may differ.
This payment fee calculator works in both directions: see what a Stripe or PayPal charge actually nets you, or work backwards from the amount you need to receive and find the price you must charge. Presets cover common Stripe and PayPal rates, and a custom mode accepts any percentage + fixed fee. All math happens locally in your browser.
In forward mode you enter what you charge and get the fee, the net payout, and the effective fee rate — which is always higher than the headline percentage on small transactions because of the fixed $0.30. In reverse mode you enter what you need to receive and the tool solves charge = (net + fixed) / (1 − pct), then verifies the result with a net-check card. Use reverse mode when quoting clients so the fee does not eat into your rate.
Stripe US online (2.9% + $0.30) covers standard domestic card charges. Add the international cardpreset (+1.5%) when the buyer's card was issued outside the US, and the currency conversion preset (+1% more) when you also charge in a foreign currency. PayPal US uses 3.49% + $0.49. If your plan differs — volume discounts, non-profit rates, micropayments — switch to Custom and type your exact numbers.
Surcharging is regulated: some US states and countries restrict or ban it, and card networks impose caps and disclosure rules. A common alternative is raising your base price and offering a cash/ACH discount instead. Rates shown here are approximations as of 2026 — confirm against your actual Stripe or PayPal agreement, since pricing changes and negotiated rates are common.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, investment, or legal advice. Calculated results are estimates based on the inputs you provide; actual figures may vary. Always consult a qualified professional before making financial decisions.
The Reverse Stripe Fee Calculator lets you figure out reverse stripe fee calculatorinstantly, without reaching for a spreadsheet or doing the math by hand. Whether you're planning a budget, checking a loan, or working through homework, the tool applies the correct formula behind the scenes and shows the result the moment you enter your numbers.
Unlike a static chart or table, this calculator adapts to your exact inputs. You can adjust any value and see the outcome update in real time, which makes it easy to compare scenarios — for example, "what if the rate were 1% lower?" or "what if I paid an extra $50 a month?"
Common uses: people reach for this tool when they need to find a how much should i charge to cover stripe fees, reverse paypal fee calculator, stripe fee gross up calculator, or pass processing fees to customer calculator.
Browser-based tools like this one have a few real advantages over installed software or manual methods:
The Reverse Stripe Fee Calculator is based on the following formula:
Charge = ( target + fixed ) / (1 − rate%)
Variables: Charge = Amount to bill the customer ($) target = Net amount you want to keep ($) rate% = Processing percentage (decimal, e.g. 0.029 for 2.9%) fixed = Fixed fee per transaction ($)
Reverse fee math: to net a target amount after a percentage rate plus a fixed fee, gross up by dividing by (1 − rate) and adding the fixed part back. This is the price to charge the customer.
Worked example: Step 1: target = $100, rate = 2.9% → 0.029, fixed = $0.30. Step 2: Charge = (100 + 0.30) / (1 − 0.029) = 100.30 / 0.971 ≈ $103.30. Step 3: verify: fee = 103.30 × 0.029 + 0.30 ≈ $3.30. Result: charging $103.30 leaves about $100.00 after processing fees.
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