Question 1

How much does Stripe take on a $100 charge?

Accepted Answer

For standard US domestic transactions, Stripe charges 2.9% + $0.30. On a $100 transaction, the fee is $3.20, and your net payout is $96.80. If the customer uses an international card, an extra 1.5% fee applies, resulting in a total fee of $4.70.

Question 2

How do I calculate what to charge so I receive an exact net amount?

Accepted Answer

To reverse-calculate your invoice amount for a payment gateway like Stripe (2.9% + $0.30), use the reverse formula: Total to Invoice = (Target Net Amount + Fixed Fee) / (1 - Percentage Rate). For example, to net exactly $1,000, charge ($1,000 + $0.30) / (1 - 0.029) = $1,030.18.

Question 3

Is Stripe cheaper than PayPal for business payments?

Accepted Answer

Yes, in most scenarios Stripe is cheaper. Standard US Stripe is 2.9% + $0.30, whereas standard PayPal Commercial transactions are 3.49% + $0.49. On a $1,000 transaction, Stripe fees are $29.30 while PayPal fees are $35.39, saving you $6.09 per transaction.

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