Compare Stripe, Razorpay, and PayPal fees side-by-side for India / US / UAE / UK / EU. Forward and reverse calculation, GST on fees, currency conversion, payout timeline, annual savings.
A side-by-side fee comparison tool that answers the only question that matters: "How much will I actually receive?" Picks every applicable rule from each processor (Stripe, Razorpay, PayPal) for your country and payment method, runs the math correctly — including 18% GST on fees for India, currency conversion fees on cross-border, and ACH/UPI special cases — and shows you the net you receive in one clean view, ranked by who pays out the most. Handles both directions: forward ("I charge $1,000, what do I get?") and reverse ("I want exactly $1,000 in my bank, what should I charge?"). The reverse mode solves a closed-form equation that accounts for percentage + fixed + GST + conversion fees correctly — most calculators get this wrong by just adding the fee back to the desired amount. The annual savings panel multiplies the per-transaction difference by your real monthly volume so you can quantify exactly what switching processors costs or saves over a year.
A payment processor charges three kinds of fees. The headline rate (e.g., "2.9 % + 30¢") is the most visible, but the others can dominate at certain volumes.
India adds a fourth: GST on fees. Both Razorpay and Stripe India charge 18 % GST on their fees, which means a 2 % headline rate is really 2.36 % effective. Most generic calculators forget this and undercount by roughly 0.4 %. Our calculator surfaces GST as a separate line so you can see exactly what the GST on fees costs you.
Most calculators only do forward: you charge the buyer X, here is what arrives. Useful, but not the question freelancers and SMBs actually ask. The real question is: "I want exactly $1,000 in my bank for this project. What should I invoice?"
Naive reverse: take the fee on $1,000 (e.g., 2.9 % + $0.30 = $29.30) and add it back. That gives $1,029.30 invoice — but Stripe will then charge 2.9 % of $1,029.30, not of $1,000, so you receive only $999.55. Not the worst error, but for invoiced services where you owe a specific amount to your subcontractor or supplier, that 50¢ of slippage repeats every transaction.
Correct reverse uses the closed-form solution: gross = (desired + fixed × (1 + gst)) / (1 − rate × (1 + gst) − conversion_fee). For $1,000 desired on Stripe US: gross = $1,030.20, you receive exactly $1,000.00. The calculator does this automatically when you flip to reverse mode.
For India + Razorpay where GST applies, the difference is bigger: a naive reverse on ₹10,000 desired understates by ₹40–60 per transaction. Across 500 transactions a year, that is ₹20,000–30,000 the freelancer was leaving on the table.
Indian businesses have all three available but for different use cases. Quick guide:
The TL;DR: domestic Indian B2C → Razorpay. Cross-border SaaS → Stripe India primary, PayPal secondary. If you can avoid PayPal, do — its FX spread is the worst of the three by a wide margin.
For high-ticket transactions ($500+) the percentage rate dominates and the fixed fee is rounding error. For low-ticket transactions the math reverses. At a $5 transaction, Stripe US 2.9 % + $0.30 is $0.45 — 9 % effective, not 2.9 %. That is why payment processors all offer "micropayment" tiers for low-value goods.
PayPal micropayments (US, opt-in): 4.99 % + 9¢. Compare to standard 2.99 % + 49¢:
Crossover is around $12. Below that, opt into micropayments; above, standard wins. Stripe does not offer a public micropayment tier but their flat structure handles it acceptably for transactions over about $3.
Yes — verified April 2026 against the official pricing pages of Stripe, Razorpay, and PayPal. The big rates do not change often (Stripe US has been 2.9% + $0.30 since 2014) but small changes happen yearly. The bottom of the calculator links to the official pricing pages so you can re-verify before signing a contract. Note that this calculator shows <strong>standard published rates</strong>; if you process meaningful volume you can negotiate enterprise rates that are 0.3–0.8 percentage points lower.
Many free calculators do reverse by computing fee on the desired amount and adding it back. That is wrong because the fee is computed on the gross, not the net — adding it back leaves you short. The correct formula solves a closed-form equation: gross = (desired + fixed × (1 + gst)) / (1 − rate × (1 + gst) − conversion_fee). For typical rates the error of the naive method is around 0.1–0.3 % — small per transaction, but for a $5,000 invoice that is $5–15 you would be undercharging.
India levies 18 % GST on the processor fee itself (not on your customer's payment). So Razorpay's headline 2 % is really 2.36 % effective for the merchant. The other countries either do not tax payment-processor fees or include it implicitly. Stripe India also charges GST on its fees; the calculator handles both correctly.
PayPal has two different US fee tiers: <strong>2.99% + $0.49</strong> when the buyer pays with a credit/debit card directly, and <strong>3.49% + $0.49</strong> when the buyer logs into PayPal and pays from their PayPal balance or with Venmo. The latter is called PayPal Checkout. Both are valid US rules and the calculator shows them as two rows so you can see the difference based on what your buyer actually does.
Indian government rules mandate that bank-to-bank UPI transfers carry zero MDR (Merchant Discount Rate), which the bank waives. But Razorpay charges a separate "platform fee" of around 2 % to cover its dashboard, fraud protection, settlement, and reconciliation infrastructure. Some merchants get partial subsidies or zero platform fee for UPI under specific schemes; if that is your case, treat the 2 % shown as a worst-case ceiling.
It multiplies the per-transaction fee difference between the best and worst rail by an estimated number of transactions per month. The estimate is your monthly volume divided by the per-transaction amount, which is roughly correct if your average ticket is the amount you entered. If your ticket sizes vary widely, switch to the average and rerun, or just treat the figure as a rough guide rather than an exact forecast.
Yes — click "Save current" in the Saved scenarios block. Up to 50 scenarios are kept in your browser's localStorage. Useful for comparing "domestic card vs international card vs UPI" within the same view, or for sharing a comparison with a teammate by exporting the configuration manually.
No. The fee schedule is bundled with the page; the calculator runs entirely in your browser; saved scenarios live in your local storage. Nothing is transmitted to any server.
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