GatewayFee Studio — Free Interactive In-Browser Studio
Stripe / PayPal Transaction Batch or Invoice Target Input (CSV / TSV)
Exact Gateway Fee Breakdown, Effective Take-Rate % & Reverse Gross-Up Amount
Drop Local File Here or Click to Browse
Supports CSV, JSON, TXT, XML & Log Streams
📊 Step 4 · Processed Output
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All files and records are processed strictly inside your browser memory. Nothing ever touches an external server.
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Test with built-in sample records or drop your own local file to inspect 70% of the processed output free of charge.
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Quick Reference & Frequently Asked Questions
How do I calculate the exact amount to charge a client to cover Stripe fees?
Never just add 2.9% + $0.30 to your invoice, because Stripe charges 2.9% on the added fee too. Use the algebraic reverse gross-up formula: Gross Charge = (Target Net Amount + $0.30) / (1 - Total Fee Rate). For a $1,000 net payout at 2.9% + $0.30, charge ($1,000 + $0.30) / 0.971 = $1,030.18.
Why did Stripe charge me over 6% on a customer payment instead of 2.9%?
Stripe's 2.9% + $0.30 rate applies only to domestic cards in your settlement currency. If an international buyer pays with a foreign card (+1.5%) in another currency (+2.0% FX conversion) via a hosted Stripe Invoice (+0.4% to +0.7%), the combined fee reaches 6.8% to 7.1% + $0.30.
Does Stripe or PayPal refund processing fees when I issue a customer refund?
No. Neither Stripe nor PayPal refunds the original processing fee (2.9% + $0.30 or 3.49% + $0.49) when you refund a customer order—meaning a refunded $200 international order costs you up to $13 in sunk gateway fees.
How do Stripe fees compare to PayPal Commercial transaction fees in 2026?
Standard US Stripe card processing is 2.9% + $0.30, while standard PayPal Checkout is 3.49% + $0.49 (and 2.99% + $0.49 for standard credit/debit fields). On a $100 domestic order, Stripe costs $3.20 vs $3.98 on PayPal Checkout.