Ebay | Paypal | Stripe Calculator

0 25 RATE THIS Updated: July 4, 2020

eBay, Paypal, and Stripe Fee and Profit Calculator

Use our online calculator to calculate merchant transactional fees for eBay, Paypal, and Stripe. Don’t hesitate to leave us feedback how to Improve it our online calculator or any suggestions you would like us to add it

More About Your eBay Fees

eBay charges two main types of selling fees: an insertion fee (also known as a listing fee) when you create a listing, and a final value fee when an item is sold. These fees vary depending on whether your items are listed on eBay.com, eBay.com.au, or eBay.co.uk.

eBay gives you up to 50 free listings (zero insertion fee listings) per month, or more if you have an eBay store. The table below explains how monthly free listings work depending on your store package:

Via ebay.com

Once your free listings are used up, an insertion fee of $.35 per item will apply. Points to note about insertion fees:

  • Insertion fees are charged per category and per listing. Therefore, if you list an item in two categories, you’ll pay an insertion fee for both categories

  • Insertion fees are not refundable even if your item doesn’t sell

  • If you create duplicate auction-style listings for similar items, insertion fees are charged per listing

  • They are charged each time you decide to relist an item as well as for the original listing

  • Are charged only once per insertion for listings with lots of items.

For a 30-day Classified Ads listing, you need to pay a fee of $9.95 and no final value fees.

When your item sells on eBay, a final value fee, calculated as a percentage of the total amount of the sale (including handling and shipping charges), is charged. If you’re using PayPal as your payment method an eBay and PayPal Calculator can help you determine the total amount of charges that will apply.

If you have a basic eBay account, for most items, you’ll pay a 10% final value fee (with a $750 maximum), 3.5% for music instruments, 12% for DVDs, movies, books, and music (with a maximum $750), 2% for certain industrial and business categories (with a $350 maximum). The table below explains the basic fees for most categories: If you’re using PayPal as your mode of payment, a charge of 2.9% of the total sale amount plus $0.30 will apply. On the other hand, if you are using any other type of payment a charge of 2.7% of the total amount plus $0.25 will apply.

Good ‘Til Cancelled listings carry a fixed charge that renews automatically each month. An insertion fee and an upgrade fee (optional) are also charged when you first list your item and each time you renew it. Also note that if you are a managed payments seller, a processing fee for each transaction applies.

For real estate listings, you need to pay an insertion fee, fees for any optional listings you include, as well as a notice fee. The fees can be in fixed price, Classified Ad, or auction-style format. Note that you won’t be charged a fee if your item does not get any bids, your item is listed in the classified Ads Format, or no bids meet your reserve price. The table below explains the various fees that apply for different real estate listing formats:

Image via ebay.com

Amazon charges a final value fee of 15% while eBay charges 10%. When compared to Amazon, the only extra fee that eBay charges is the PayPal fee which is 2.9% of the sale plus a fixed rate of $0.30. An eBay and PayPal calculator is helpful at determining how much fee you should pay.

In terms of profit, a seller on eBay gets to keep an average of 5.13% more than if they sold on Amazon. However, it is important to keep in mind that on eBay, sellers are left to handle distribution, shipping, storage, and packaging on their own, while Amazon takes care of all these processes for their sellers.

Private sellers have up to 1,000 free monthly listings, or more if they have an eBay shop, but once they’ve used up their free listings they are charged 35p for each new listing they create. For Business sellers, the fees are a bit different, you can learn more about them here.

As a UK eBay seller, you pay 10% of the total transaction amount (including postage), when your item sells. The final value fee is usually capped at £250 for a single item. You won’t pay any final value fee if your item doesn’t sell. However, if you ask a buyer for their contact information or reference, or offer your contact information to another user, you’ll pay eBay a final value fee for introducing you to the buyer.

If the buyer fails to pay for your item(s) for whatever reason, you need to either report the transaction as unpaid or cancel the sale for you to be eligible for a final value fee credit.

If you choose to use listing upgrades such as adding subtitles, gallery plus, or adding a buy it now price button to help your listing stand out, you’ll be charged an optional listing upgrade fee regardless of whether your item sells or not. The fee depends on the upgrade type, and if you decide to relist your item, optional listing upgrade fees are also charged.

If you choose to use the Classified Ad format for the select category, you will pay a fee depending on the category, no final value fee is needed. The table below shows the fees charged for each category.

For Basic eBay shops, you’ll pay £19.99, which gives you an extra 100 listings a month on top of the 1000 free listings which include the special duration listing upgrade. Once, you’ve used up your listings, you’ll be expected to pay 35p per listing.

Paypal transaction fees (2.9% of the sale amount plus $0.30) are automatically deducted while eBay’s final value fees (10% of the total shipping and item cost) are invoiced directly at the end of the billing cycle.

eBay Canada seller fees work similarly to those of ebay.com with a slight difference in the insertion fees per category and real estate listings. The fees are paid on a monthly basis and depend on the type of listing posted, the number of items sold, and whether optional advanced listing upgrades have been purchased.

Yes, as long as you file a cancellation with eBay and the buyer also opens a return request. Your PayPal fees will also be refunded except for the $0.30 processing fee. The only time eBay may fail to give a refund is if the buyer returns an item due to a false description in your listing.

More About Your PayPal Invoice Fees

There are different fees associated with PayPal include receiving, sending, transaction, and international fees. PayPal does not charge a fee when opening an account or sending money directly from your Paypal Balance. However, you will be charged a fee when you send money to coworkers, family, or friends from the credit card account that is linked to PayPal.

When receiving money from another PayPal account, you will not be charged. With that said, the person sending you money may (or may not) be charged. The fee is dependent on whether they are sending money directly from their PayPal balance or their personal credit card. There’s one thing you should note, international fees (more on this below) apply. You’ll be charged a 1% fee of the payment amount if you are receiving money from outside the U.S.

No fee is charged when sending money from your PayPal balance. However, if the money being sent is deducted from the personal banking account linked to your PayPal account, a fee is charged. It costs 2.9% plus $0.30 USD of the amount being sent if you are sending money from within the US. For example, if you send $50.00 USD from the personal credit, the fee charged would be $1.75 USD ($1.45 + $0.30). And if you send $200.00 USD, the fee would be $6.10 USD ($5.80 + $0.30). As you can see from this example, the sending fee increases as the amount being sent increases.

If you purchase goods and services using your PayPal balance, there will be no fee charged. However, if you sell products on eBay and use PayPal as your payment method, a transaction fee of 2.9% plus $0.30 USD of the amount you’re sending will be charged. For example, if a sale of $100.00 USD is made, the transaction fee would be $3.20 USD ($2.90 + $0.30). This fee is similar to the one applied when you send money from your personal bank account that is linked to PayPal. It is important to keep in mind that your per-transaction fee decreases as your monthly sales volume increases. The fee is capped at 1.9%, which is 1% cheaper than when your sales are below $3,000 per month. The payment fees associated with receiving, sending, and transaction are better explained by the table below provided in the PayPal’s User Agreement page: Image: PayPal.com

PayPal international fees are charged regardless of whether you are sending or receiving money using the personal credit card linked to your bank account or PayPal balance. Compared to the standard U.S. fee, international fees are higher. The image below explains the international fees charged for countries outside the U.S. Image: PayPal.com From the table, you can see that the international standard rates vary from country to country. For instance, Canada has a 2.9% fixed fee that is similar to that of the U.S. while a 5.99% fixed fee applies to Brazill. With the exception of Australia which has a 3.4% fixed fee, all other countries have a 3.9% fixed rate fee in place. When sending money, the sender is responsible for paying the fee. When receiving international payments within the U.S. a 1% charge of the payment amount will be applied when you use your PayPal or Bank account. However, when you use your credit or debit card, a 3.9% fee of the payment amount plus a fixed fee, depending on the currency of the payment, will be charged.

When you select the Friends and Family option to send a payment, there will be no fee charged to both the sender and recipient. The only drawback of sending money in this way is that PayPal won’t provide payment protection. Also, if payment is made using a credit or debit card instead of the PayPal balance, a small charge will apply. But it is a good way of saving money as long as both the sender and receiver agree to it.

When payment is sent through the Goods and Services option, a 2.9% charge plus a standard fee of $0.30 USD applies to the seller. The Goods and Services option should only be when selling a service or product to someone.

When sending a payment using a credit card, debit card, or personal bank account, there’s no way you can avoid PayPal fees. However, if you are paying someone using your PayPal balance you can avoid fees by selecting the family/friends option instead of the goods/services option. Do not use this option if you are paying someone for their goods or services as it is against PayPal’s Terms of Service.

As a seller, if you’re using your own personal bank account to send and receive money, a PayPal payment fee will be applied. The only way to avoid the seller’s fee is to switch to using your PayPal account for all transactions. When receiving international payments from within the U.S., you’ll be charged a 1% fee of the total payment amount if you use your bank or PayPal account. On the other hand, If you use your credit card or debit card, you’ll be charged a 3.9% fee plus a fixed fee that is dependent on the currency of the payment. If you’re sending money from the U.S., it will cost you 2.9% plus $0.30 USD of the amount you are sending. Keep in mind that this fee will vary when dealing with international buyers and sellers.

eBay provides you with 50 free listings per month. With that said, if your listing sells they take a 10% cut of the total price per sale. For example, if one of your items is priced at $55, eBay will take a 10% commission of that price which is $5.5, leaving you with $49.5. If you have over 50 listings posted in a month, eBay would charge $0.30 per listing plus a 10% commission of the total price of an item per sale. When you add PayPal as your payment methods on eBay, you’ll pay the international fee charged by PayPal plus the 10% fee charged by eBay. Keep in mind that the PayPal international transaction fees apply to both the seller and the buyer. The table below will help you understand how fees are calculated with regards to eBay and PayPal: Image: eBay.com

More About Your Stripe Invoice Fees

Stripe has two main types of payment processing fees; In-person transaction fees and Online transaction fees.

When doing in-person Stripe payments using the Square terminal, you’ll be charged a 2.7% fee of the total transaction amount plus $0.05.

For all eCommerce transactions, Stripe charges 2.9% of the total transaction amount plus $0.30 per transaction regardless of whether you are using Mastercard, Visa, JCB, or any other card.

This fee applies whether you are using a third-party shopping cart or your own site. Using a stripe processing fee calculator is a good way to determine the amount of fee you’ll be charged.

If transactions are made using international cards, an additional 1% fee is applied, but if you need to convert the currency, an additional 1% fee is charged. Stripe’s instant payout option also carries a 1% fee.

Stripe also allows you to manage ACH and other payment options such as wire transfer. Charges are as follows:

  • Wire: $8.00 per wire payment

  • ACH Direct Debit: 0.8% per transaction (capped at $5)

  • ACH Credit: Starting at $1.00 per ACH credit payment

If you need to verify your customer’s bank accounts, no extra fee is charged. However, a $15 fee is applied for disputed ACH direct debit payments and $4 for failed ACH direct deposit payments.

Stripe charges a flat rate of 1.4% of the total transaction amount plus 20p for European cards and 2.9% of the total transaction amount plus 20p for non-European cards.

Stripe does not charge a monthly fee, it offers a standard 2.9% + $0.30 fee for processing online credit card transactions. But if your business transacts more than $80,000 or more in monthly sales, you can get an enterprise volume discount.

Both Stripe and PayPal offer a standard transaction fee of 2.9% + $0.30 and there are no monthly fees, contracts, or setup costs for both. However, PayPal sales volume fees reduce at $3,000 sales per month while those of Stripe get reduced at $80,000 per month.

You can use an online PayPal or Stripe processing fee calculator to calculate how much fees you’ll be charged for the same amount using both platforms.

If you are looking for a developer-friendly online payment platform, Stripe is the best option and offers far more payment options for customers. On the other hand, if you are looking for improved in-person payment options and an easy eCommerce store integration, Square is the best choice or wordpress

No fees are charged during a Stripe refund, however, you’ll not get back the processing fees from the original transaction. Refunds can be returned in whole or in part. Also keep in mind that if the original charge was converted to a different currency, the refunded amount will also be converted back using the same process.

Stripe is safe for payment. It is rated as a PCI Service Provider Level 1 which is the highest class of payment processing security. You can be sure that your information will remain safe and secure.

It is completely free to open a Stripe account. You can open an account and immediately start accepting payments online for your ecommerce store.

No, Stripe is not owned by PayPal. Stripe is a privately owned company founded in 2010 by Irish entrepreneur brothers John and Patrick Collison and based in San Francisco, California.

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