Choose the account, card region and currency together
The Stripe US presets describe a US Stripe account taking a US card or an international card in USD. The Germany presets use a euro-denominated German account and distinguish standard EEA cards from international cards. PayPal presets are for US PayPal Checkout merchant transactions in USD. Changing a preset changes the currency shown throughout the calculation; do not treat a USD fee as a euro fee.
These are public standard online-payment prices, not a quote for your account. Local payment methods, negotiated contracts, card categories, currency conversion and other account settings can change your actual charge. Use Custom rate when your provider statement shows a different percentage or fixed amount.
If you know the customer charge, calculate what remains
Estimated processing fee = customer charge × percentage rate + fixed fee, rounded to the nearest cent. After-fee proceeds = customer charge − estimated processing fee. For a $100 US domestic Stripe card payment at 2.9% + $0.30, the estimated fee is $3.20 and the after-fee amount is $96.80.
This amount is before product cost, shipping, advertising, tax and any platform charges. It describes the payment-processing step, not your order profit or the final amount deposited to your bank.
If you know the target proceeds, work backward
Ignoring cent rounding for a moment, the required charge is (target proceeds + fixed fee) ÷ (1 − percentage rate as a decimal). The calculator then checks whole-cent charges and returns the lowest one whose after-fee proceeds meet or exceed your target.
For example, to keep at least $100 after a 2.9% + $0.30 fee, charge $103.30. The modeled fee rounds to $3.30, leaving $100.00. Simply adding 2.9% to $100 would undercharge because the percentage is applied to the higher customer charge.
Where international and conversion fees diverge
Stripe's US international-card preset adds the publicly listed 1.5 percentage points to its domestic card rate, producing 4.4% + $0.30. The Germany international-card preset is 3.15% + €0.25. The PayPal US international preset adds PayPal's published 1.5 percentage points to its standard PayPal Checkout merchant rate, producing 4.99% + $0.49.
An international card does not automatically imply a currency conversion. Conversion can add a separate charge and depends on the currencies and account setup. This calculator does not add conversion fees; use your actual combined rate in Custom rate when conversion applies.
Processing is different from payout and withdrawal
Payment processing is the fee on the transaction. A payout or withdrawal fee concerns moving an available balance to a bank account, potentially across currencies or payout speeds. Those costs depend on provider, country, destination and product configuration, so they are outside this calculator. The displayed after-fee proceeds are not a promise about a future bank deposit.
For a pricing decision, first estimate the processing fee here. Then add any platform fee, payout cost, refund allowance, tax treatment, product cost and fulfillment cost in a broader order-profit model. The Shopify and Stripe profit calculator is the next step for that wider view.