Payment Fee Calculator

Every card and payment app takes a cut. Enter an amount to compare what Venmo, Stripe, PayPal, Square, and Cash App leave you — versus getting paid for free.

What each payment method really costs

  • PayPal (goods & services): 3.49% + $0.49 — the priciest of the common options.
  • Stripe & Square (card): 2.9% + $0.30 per card payment.
  • Cash App for Business: 2.75% per payment received.
  • Venmo (goods & services): 1.9% + $0.10 — lowest of the app fees.
  • Zelle, PayID & bank transfer: $0 — direct account-to-account, no processing fee.

Frequently asked questions

Which payment method has the lowest fees?

Direct bank rails — PayID, bank transfer, and Zelle — are free. Among the card/app options, Venmo goods & services is lowest at 1.9% + $0.10, then Cash App for Business at 2.75%, then Stripe/Square at 2.9% + $0.30, with PayPal highest at 3.49% + $0.49.

How do small businesses avoid payment processing fees?

By offering a fee-free payment option on their invoices. When a client can pay by bank transfer, PayID, or Zelle, there's no processing fee for either side. InvoiceSonic shows all your payment methods on every invoice so clients can pick the free one.

Are these fees taken from what I receive?

Yes — processing fees are deducted from the payment, so you receive the amount minus the fee. That's why the fees add up fast on higher invoice volumes.

Related tools & guides

Free invoice generator · Venmo for business · Stripe fees explained