Stripe vs PayPal
Fee Comparison Tool
The most accurate calculator for payment processing costs. Compare domestic and international fees for personal or business accounts instantly.
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Understanding the Fees
International & FX Markups
While base fees are similar, international transactions are where costs diverge. PayPal typically adds a 3-4% markup on currency conversion, whereas Stripe is often closer to 1-2%. For global businesses, this difference alone can save thousands.
The Refund Fee Trap
A critical hidden cost is that neither Stripe nor PayPal refund the original processing fee when you issue a refund to a customer. If you have a high refund rate, your effective processing cost will be significantly higher than the base percentage.
Volume Discounts
Both providers offer custom pricing for businesses processing over $100,000 per month. If you're reaching these levels, use our calculator to see your current costs, then contact their sales teams to negotiate a better deal.