Payment Method Comparison
Enter the fee rate for each payment method and see exactly what you keep on the same invoice — PayPal, Wise, Stripe, and bank wire, side by side. Free, no signup.
| Method | Percent fee | Fixed fee | Fee | Effective | You keep |
|---|---|---|---|---|---|
| StripeStandard US card rate: 2.9% + $0.30. | % | $ | $29.30 | 2.93% | $970.70 |
| PayPalUS goods & services: 3.49% + $0.49. | % | $ | $35.39 | 3.54% | $964.61 |
| WiseMost keptFree to receive in the same currency; conversion is charged separately. | % | $ | $0.00 | 0.00% | $1,000.00 |
| Bank transferMost keptUsually free domestically; set your bank's fee for wires. | % | $ | $0.00 | 0.00% | $1,000.00 |
Fees are pre-filled with standard US published rates for 2026 and are fully editable. Rates vary by country, account type, card, and — for cross-border payments — currency conversion, which isn't included here. Enter the exact rates for your situation and the totals are calculated precisely from those numbers.
Questions, answered.
- How does this calculator work?
- You enter the invoice amount and each provider's fee — a percentage plus a fixed per-transaction fee. The tool then computes exactly what you keep for each one: fee = amount × percent + fixed, and you keep the remainder. Because you supply the rates, the result is precise for your exact account and region.
- Where do the default rates come from?
- The fields are pre-filled with standard published US rates for 2026 — Stripe at 2.9% + $0.30 and PayPal goods & services at 3.49% + $0.49, with Wise and bank transfer set to zero because receiving in the same currency is typically free. Edit any field to match your own account, card type, or country.
- Why isn't currency conversion included?
- Conversion fees change daily and depend on the exact currency pair and provider, so building them in would produce a number that's only ever an approximation. Instead, add any conversion cost into the percentage field yourself to keep the result exact.
- How does FileDue's fee compare?
- FileDue processes payments through Stripe, so the processing fee matches the Stripe row, plus a small platform fee. The point of FileDue isn't cheaper processing — it's that the client pays before they can download the files, so you're not delivering work and then chasing payment.
Fees are only half the story — the bigger risk is delivering the work and then waiting to be paid. FileDue runs on Stripe, but the client pays before they can download the files.
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