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Stripe (US) vs PayPal (US) Fees
On a $500.00 payment using the standard method, Stripe (US) costs less ($14.80 vs $17.94). Change the amount below to compare every payment method.
Fee comparison
| Gateway | Method | Total fees | You receive |
|---|---|---|---|
| Stripe (US) | US cards (online) | $3.20 | $96.80 |
| Stripe (US) | International cards (+1.5%) | $4.70 | $95.30 |
| PayPal (US) | PayPal Checkout / Venmo | $3.98 | $96.02 |
| PayPal (US) | Standard card payments | $3.48 | $96.52 |
| PayPal (US) | International PayPal Checkout (+1.5%) | $5.48 | $94.52 |
Estimates for information only — not financial, tax or investment advice. Rates and rules change; confirm with an official source or a qualified professional. Disclaimer
Standard rates compared
- Stripe (US): US cards (online) 2.9% + $0.30; International cards (+1.5%) 4.4% + $0.30.
- PayPal (US): PayPal Checkout / Venmo 3.49% + $0.49; Standard card payments 2.99% + $0.49; International PayPal Checkout (+1.5%) 4.99% + $0.49.
Beyond the headline rate
Compare settlement time, chargeback fees, international and currency-conversion charges, payout fees and support quality. High-volume merchants can usually negotiate lower custom pricing with either provider.
Stripe (US) fees on common amounts (US cards (online))
| Payment | Fee | You receive | Charge to receive this amount |
|---|---|---|---|
| $10.00 | $0.59 | $9.41 | $10.61 |
| $50.00 | $1.75 | $48.25 | $51.80 |
| $100.00 | $3.20 | $96.80 | $103.30 |
| $500.00 | $14.80 | $485.20 | $515.24 |
| $1,000.00 | $29.30 | $970.70 | $1,030.18 |
| $5,000.00 | $145.30 | $4,854.70 | $5,149.64 |
Frequently asked questions
Which is cheaper, Stripe (US) or PayPal (US)?
At standard published rates for $500.00, Stripe (US) is cheaper. Custom pricing and payment method can change this.
Are these rates current?
They are the providers’ standard published rates as checked in 2026-11. Always confirm on each provider’s pricing page.