Compare payment processor fees
Enter one US card or P2P business charge—or switch to Monthly volume to rank processors by projected monthly cost—including Venmo Business, Cash App Business, Clover, Toast, Helcim (IC+ estimate), and Square in-person—using the same published rates as each dedicated calculator on this site.
Rates checked October 6, 2026. Sources: Stripe US, Square US, PayPal US. Estimates only—not processor advice. UK sellers: Stripe UK (GBP). Narrative walkthrough: Stripe vs PayPal fees guide.
How the fee is calculated
Each processor uses the same forward shape: fee = round(charge × percent + fixed fee), net = charge − fee. This page does not mix products—only the standard US online rates listed on each tool page.
Scenario snapshots
$25.00 charge
- Stripe: fee $1.03, net $23.97 (4.12% effective)
- Square (online): fee $1.13, net $23.87 (4.52% effective)
- Square (in-person): fee $0.75, net $24.25 (3.00% effective)
- PayPal: fee $1.36, net $23.64 (5.44% effective)
- Venmo Business: fee $0.57, net $24.43 (2.28% effective)
- Cash App Business: fee $0.80, net $24.20 (3.20% effective)
- Clover: fee $0.75, net $24.25 (3.00% effective)
- Toast: fee $0.77, net $24.23 (3.08% effective)
- Helcim (IC+ est.): fee $0.73, net $24.27 (2.92% effective)
$100.00 charge
- Stripe: fee $3.20, net $96.80 (3.20% effective)
- Square (online): fee $3.60, net $96.40 (3.60% effective)
- Square (in-person): fee $2.70, net $97.30 (2.70% effective)
- PayPal: fee $3.98, net $96.02 (3.98% effective)
- Venmo Business: fee $2.00, net $98.00 (2.00% effective)
- Cash App Business: fee $2.75, net $97.25 (2.75% effective)
- Clover: fee $2.70, net $97.30 (2.70% effective)
- Toast: fee $2.64, net $97.36 (2.64% effective)
- Helcim (IC+ est.): fee $2.39, net $97.61 (2.39% effective)
FAQ
- Are my numbers sent to a server?
- No. The math runs in your browser and nothing typed is uploaded or stored.
- Which rates are compared?
- US published online card rates already used on this site: Stripe 2.9% + $0.30, Square Free online/invoice 3.3% + $0.30, and PayPal Checkout 3.49% + $0.49.
- Why can PayPal look most expensive on small charges?
- PayPal’s $0.49 fixed fee is higher than Stripe or Square’s $0.30, so effective fees on $25-style charges skew higher until ticket size grows.
- Does this include international or in-person rates?
- No. This comparison uses the same US online assumptions as each tool page. In-person Square, Stripe international cards, and PayPal micropayments are not included.
- What about UK or GBP Stripe fees?
- This page is USD-only. For UK cards in pounds, use the Stripe UK fee calculator at /stripe-uk.
- Will the cheapest processor always win in real life?
- Not necessarily—checkout features, payout timing, disputes, and your actual card mix matter. This page only compares published percent-plus-fixed math for one amount.