Stripe vs PayPal fees ยท fees checked 2026-10-29
On the same $1,000 online payment, Stripe's card fee and PayPal Checkout's fee differ by a few dollars. Both lose to a bank transfer. Here are the exact numbers.
| Payment | Stripe, card | PayPal Checkout |
|---|---|---|
| $100.00 | $3.20 (3.2%) | $3.98 (3.98%) |
| $500.00 | $14.80 (2.96%) | $17.94 (3.59%) |
| $1,000.00 | $29.30 (2.93%) | $35.39 (3.54%) |
| $5,000.00 | $145.30 (2.91%) | $174.99 (3.5%) |
Stripe, card is cheaper on a $1,000 payment, by $6.09. Both charge more than a bank transfer.
| Platform | Method | Fee | Checked |
|---|---|---|---|
| stripe | card online | 2.9% + $0.30 | source, 2026-10-29 |
| stripe | card in person | 2.7% + $0.05 | source, 2026-10-29 |
| stripe | ach debit | 0.8%, cap $5 | source, 2026-10-29 |
| stripe | stablecoin | 1.5% | source, 2026-10-29 |
| paypal | paypal checkout | 3.49% + $0.49 | source, 2026-10-29 |
| paypal | card online | 2.99% + $0.49 | source, 2026-10-29 |
| paypal | goods and services | 2.99% | source, 2026-10-29 |
| paypal | ach pay by bank | 1%, cap $10 | source, 2026-10-29 |
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