Calculate Payment Processing Fees Instantly
Compare fees across Stripe, PayPal, and Wise in the US and UK. Find the cheapest option for your business before you bill.
UK payment fee calculators
Calculators for UK sellers comparing PayPal, Stripe and Wise rates.
Browse All Calculators
Why FeeProbe?
Multi-Processor Comparison
View and compare different payment processor fees and conditions side by side.
Reverse Price Calculator
Know exactly what you need to charge so you receive the exact amount you want after fees.
Verified Rates
Stripe and PayPal rates sourced from official pricing pages. Wise rates are reference estimates — always confirm with Wise's calculator.
Transparent Fee Calculations
No black boxes. Here's exactly how the numbers are produced.
Who This Is For
FeeProbe is built for freelancers invoicing clients overseas, small businesses accepting card payments in-store or online, and SaaS sellers who need to price subscriptions with processor costs already factored in. If you've ever wondered "how much do I actually keep after fees?" or "what should I charge so I net exactly $500?" — this tool answers both.
How the Fee Math Works
Every payment processor fee follows the same two-part formula:
For example, Stripe US charges 2.9% + $0.30 per domestic card transaction. On a $100 payment that's $2.90 + $0.30 = $3.20 in fees, leaving you $96.80. The reverse calculator works backwards — enter the amount you want to receive and get the exact invoice figure to charge your client.
Forward Calculator
Enter the charge amount — see the fee, net payout, and effective rate instantly.
Reverse Calculator
Enter the amount you want to receive — get the exact invoice amount to charge your client.
Multi-Processor Compare
Run the same transaction across Stripe, PayPal and more side by side to find the cheapest option.
Where the Rates Come From
Stripe and PayPal fee schedules are sourced directly from each processor's official public pricing page. Wise uses a dynamic pricing model — rates shown are reference estimates based on typical bank transfer amounts; always confirm with Wise's calculator before sending. All data files carry a last verified date so you know how fresh the numbers are.
- Stripe US — rates last verified April 11, 2026 (source: official pricing page ) This URL serves region-specific pricing. Select "United States" from the country picker at the bottom of the page to view US rates.
- PayPal US — rates last verified April 8, 2026 (source: official pricing page )
- Wise US — rates last verified May 22, 2026 (source: official pricing page ) Wise fees vary by transfer corridor, payment method, and transfer amount. Rates shown are approximate figures for ACH bank debit — the cheapest standard method. Card-funded transfers incur higher fees. Always use Wise's calculator for an exact quote before sending.
- Stripe UK — rates last verified April 16, 2026 (source: official pricing page ) Select 'United Kingdom' from the region selector. Premium card rates (1.9% + 20p) apply to commercial and premium consumer cards. Currency conversion adds 2% on top of any rate when applicable.
- PayPal UK — rates last verified April 16, 2026 (source: official pricing page ) Rates shown are for the standard merchant tier (lowest monthly volume). PayPal UK also offers charity rates (1.4% + £0.20) not included here. QR code rate shown is for transactions above £10.01.
- Wise UK — rates last verified April 16, 2026 (source: official pricing page ) Wise fees vary by transfer corridor, payment method, and transfer amount. Rates shown are approximate figures for bank transfer funding around a £1,000 transfer. Wise uses the live mid-market rate with no markup. Card-funded transfers incur higher fees. Always use Wise's calculator for an exact quote before sending.
How to Use FeeProbe
Pick Your Processor
Choose from Stripe, PayPal, Wise, or any supported payment processor. Each has different fee structures for different transaction types — domestic cards, international transfers, QR codes, ACH, and more.
Enter Your Amount
Type the transaction amount you're planning to charge — or switch to reverse mode and enter the amount you want to receive after fees. The calculator handles both directions instantly with no page reloads.
See Your Breakdown
Get an instant breakdown of the processing fee, the amount you keep, and the effective fee rate as a percentage. Compare across processors to find the cheapest option, or share the URL with a colleague — your calculation is saved in the link.
Payment Processors at a Glance
Stripe
The developer-friendly standard for online payments. Stripe charges 2.9% + $0.30 per domestic card transaction with no monthly fees or setup costs. For large invoices, ACH direct debit drops to just 0.8% (capped at $5). International cards cost 4.4–5.4% + $0.30 depending on currency conversion. Best for SaaS companies, online stores, and developer-led businesses that want clean APIs and extensive documentation.
PayPal
The most recognized name in online payments. Standard card processing runs 2.99% + $0.49, while PayPal Checkout with buyer protection costs 3.49% + $0.49. In-person QR code payments are the most affordable at 2.29% + $0.09. PayPal's biggest advantage is brand trust — buyers are more likely to complete checkout when they see the PayPal button. Best for small businesses, freelancers, and merchants who want higher checkout conversion rates.
See G&S fee tiers, invoice fees, and international surcharges.
Wise
Purpose-built for international money transfers. Instead of marking up the exchange rate like traditional banks, Wise uses the real mid-market rate and charges a separate, transparent fee — typically 0.4–0.7% depending on the currency corridor. Not a card processor like Stripe or PayPal; Wise is for moving money between countries and currencies. Best for freelancers receiving overseas payments, businesses paying international suppliers, and anyone making regular cross-border transfers.
Who Is FeeProbe For?
Freelancers & Consultants
Invoice clients in different countries and need to know your actual take-home after fees and currency conversion. Use the reverse calculator to figure out the exact invoice amount so you receive the full project rate — not a penny less.
Small Business Owners
Processing fees eat into margins on every single sale. Comparing processors side by side helps you pick the cheapest option for your transaction volume and payment mix, potentially saving hundreds of dollars per month.
SaaS Founders & Product Managers
A $29/month subscription through Stripe means you keep $28.16 after the $0.84 fee. That math matters for unit economics and pricing decisions. Model costs across processors to find the best fit for your revenue model.
International Sellers & Remote Workers
Cross-border fees add up fast — Stripe charges 5.4% for international transactions with currency conversion. Wise offers much lower rates for transfers. Understanding which processor to use for which payment type can save thousands per year.
Stop guessing your profit margins.
Every transaction has hidden costs. FeeProbe helps you see exactly what you keep after fees — so you can price with confidence and protect your margins.
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