Payment Fees Calculator

How are payment fees estimated?

Compare proceeds from one U.S. domestic card sale in USD using the published rates linked above, verified October 20, 2026.

How to use this tool

Enter one sale amount, excluding tax. Net proceeds = sale amount − percentage fees − fixed per-sale fees. Monthly subscriptions are excluded. For multiple orders, calculate each sale separately so each fixed fee is counted.

Example

For a $100 sale, estimated proceeds are $96.52 with PayPal standard cards, $96.80 with Stripe, $86.30 with Gumroad direct card sales, and $96.80 with Shopify Payments Basic before its subscription cost.

Which rates are included?

PayPal uses standard credit/debit card pricing, not PayPal Checkout (3.49% + $0.49). Stripe uses domestic online cards. Shopify uses Basic standard online cards, not premium cards or a third-party payment provider.

Gumroad uses the standard direct-sale platform fee plus card processing. Discover sales instead cost 30%, including processing. After $20,000 in paid sales in a calendar month, eligible new direct sales have a 5% + $0.50 platform fee; that volume discount is not modeled here.

Understanding your result

These estimates exclude taxes, international and currency-conversion surcharges, refunds, disputes, optional services, and negotiated rates. Provider rounding may differ by a cent. Rates are checked periodically, not fetched live; follow the official links above for your account’s applicable terms.