Stripe · PayPal · Square comparison

Payment Processing Profit Calculator

Compare Stripe, PayPal, Square or a custom processor using real ecommerce profit, margin, break-even CPA and ROAS.

Planning model: U.S. presets: Stripe domestic online cards 2.9% + $0.30; PayPal Checkout PayPal/Venmo 3.49% + $0.49; Square Free online payments 3.3% + $0.30. Other payment methods and plans differ.

payment processor setup

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Fees & overhead
Advanced Costs
Returns, monthly software and other overhead
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How this payment processor calculator works

Compare the true per-order cost of payment processing after product cost, fulfillment, advertising, returns and monthly overhead. PayPal card rates differ from PayPal/Venmo rates, and Square Plus/Premium or API rates can differ from Square Free online pricing. This makes processor fee differences visible in actual profit rather than in isolation.

Best practice: replace all presets with the rates and costs shown in your actual account, contract or seller dashboard before making a pricing decision.

Official references

Stripe pricing ↗PayPal fees ↗Square pricing ↗
Fee assumptions reviewed against official sources on August 21, 2026. Editable fields should always be matched to your account.