Stripe Processing Fee & Reverse Charge Calculator
Calculate exact Stripe merchant deductions across online credit cards, Stripe Invoicing, recurring subscriptions, and ACH bank transfers.
PayPal Fee & Reverse Invoice Calculator
Updated for 2026 commercial & international transaction structures
Freelance Hourly Rate ↔ Annual Salary Calculator
Compare freelance billable rates against full-time W-2 permanent salaries
Losing 4.5%+ on international PayPal/Stripe FX fees? Multi-currency business accounts cut cross-border fees by up to 75%.
Live Payout Breakdown
To receive exactly $1,000.00 after fees, ask your client to send:
Live Fee Comparison Across 8 Payment Platforms
See how much you keep on the exact same invoice amount across major processors
| Platform / Method | Standard Rate | Fee Deducted | Net You Keep | Invoice Needed for Full Net |
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Dedicated Calculator Pages & In-Depth Financial Guides
Each calculator and guide has its own dedicated URL, formula breakdown, and 2026 rate schedule
💳 PayPal Fee & Reverse Invoice Calculator
Complete 2026 domestic, international (+1.5%), currency conversion (+3.0%), and micropayment fee calculator with reverse billing formula.
⚡ Stripe Card, ACH & Invoicing Calculator
Calculate exact Stripe 2.9% + $0.30 card processing fees, Stripe Invoicing (+0.4%), recurring billing, and international card surcharges.
💼 Upwork, Fiverr & Creator Fee Calculator
Compare Upwork's 10% flat freelancer fee, Fiverr's 20% commission, Gumroad, and Patreon net take-home payouts.
🌐 Wise (TransferWise) & International Wire Calculator
See how much you save using mid-market FX transfers (0.43%) compared to bank SWIFT wires and PayPal cross-border fees.
⏱️ Freelance Hourly Rate ↔ Annual Salary Converter
Convert freelance billable hourly rates into equivalent full-time W-2 annual salaries after unpaid vacation and self-employment tax.
📈 E-Commerce & Agency Profit Margin Calculator
Calculate net profit margins after Shopify, Etsy, Amazon, or agency payment gateway fees, COGS, and tax reserves.
📘 Guide: How to Cut Payment Processing Fees by 75%
Learn legal invoice surcharging, ACH routing, multi-currency settlement accounts, and reverse-billing formulas for 2026.
📗 Guide: Freelance Pricing, Utilization & Tax Reserves
How independent contractors calculate billable utilization, set aside quarterly estimated taxes, and price project retainers.
🏛️ About FeeWiseCalc & Editorial Methodology
How we verify merchant discount rates, our quarterly audit schedule, and our 100% client-side privacy architecture.
Understanding Stripe's 2026 Processing & Invoicing Fee Structure
Stripe charges a base domestic card processing rate of 2.90% + $0.30 per successful card charge. However, merchants using Stripe Invoicing pay an additional 0.40% per paid invoice (3.30% + $0.30), and recurring Stripe Billing subscriptions add 0.50% (3.40% + $0.30).
Cutting Stripe Fees on Large B2B Invoices with ACH
For US domestic B2B invoices over $500, enabling Stripe ACH Direct Debit (0.80% capped at $5.00 maximum fee) reduces processing costs on a $2,500 invoice from $72.80 down to just $5.00.