Payment Fee Comparison
Type an amount and see what PayPal, Venmo, Stripe, Square and Shopify Payments would each charge for it, cheapest first, online and in person.
Payment Fee Comparison
US rates for each provider's standard online option, plus the in-person rows. Monthly subscriptions (Shopify, Square Plus) are not included.
Rates from PayPal, Venmo, Stripe, Square and Shopify's own US pricing pages, checked 22 October 2026. Calculated on this page; nothing is sent anywhere.
Calculated in your browser from published fee schedules. Nothing is sent anywhere.
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How it works — in four simple steps
No signup and nothing to install — it all runs in your browser.
Enter an amount
Your typical payment.
Toggle international
If the customer is abroad.
Compare
Read the cheapest and most expensive options.
Dig deeper
Open a provider's own calculator for the full breakdown.
Try a small and a large amount. The cheapest provider changes because of the fixed fees.
Features
Eleven options
Online, bank debit and in-person prices from five providers.
Sorted by cost
Cheapest first, with bars to scale.
International toggle
Adds each provider's cross-border surcharge.
Exact formulas
Each row shows its percentage and fixed fee.
About the Payment Fee Comparison
Most US processors charge a percentage plus a fixed fee, but the mix decides who's cheapest. A low percentage with a 30¢ or 49¢ fixed fee is fine for large payments and costly for small ones. Venmo's 10¢ fixed fee wins on small payments, while Stripe's ACH Direct Debit is capped at $5, so it's by far the cheapest for big invoices. The bars show each provider's fee for your exact amount.
The comparison uses each provider's standard published US price: PayPal Checkout (3.49% + 49¢), PayPal goods and services (2.99%), PayPal advanced card processing (2.89% + 49¢), Venmo business (1.9% + 10¢), Stripe cards (2.9% + 30¢), Square online (3.3% + 30¢) and Shopify Payments on the Basic plan (2.9% + 30¢), plus the in-person options from Square, Stripe Terminal and PayPal. Tick international to add each provider's cross-border surcharge where it has one.
Fees aren't the whole story. Shopify and Square Plus have monthly subscriptions, PayPal's checkout can lift conversion because buyers trust it, and payout speed, chargeback handling and features differ. Use the comparison to see the price gap, then open each provider's own calculator for the details.