Payments & shipping · calculator
What each app takes from a payment, what an instant transfer costs, and the exact amount to ask for.What each app takes, and what to ask.
Example · $100 payment
PaymentPayPal Goods & Services
$97.01
You receive · of $100.00 sent
Key: yours processing
Estimate · payment app ratesrates as of Nov 4, 2026 · not tax or financial advice · not advice.
PayPal Goods & Services · drawn to scale
The payment is a strip of paper as long as the money. Each fee is cut off at its true size; what is left at the bottom is yours.
Estimate by Seller Fee Desk · payment app rates as of November 4, 2026 · not a platform statement
| The buyer sends | $100.00 |
|---|---|
| Processing fee2.99% × $100.00 | −$2.99 |
| You receivein your app balance | $97.01 |
2.99%, no fixed fee (merchant fee page, October 1, 2026; it applies to all U.S. accounts — the consumer page refers sellers to it).
If a buyer disputes: PayPal standard dispute fee $15.00; PayPal card chargeback fee $20.00. Shown for information; not added above.
What moving this amount to your bank right away costs on each account, minimum and maximum applied.
| PayPal business account1.5% of $100.00 (min $0.50) | $1.50 |
|---|---|
| PayPal personal account1.75% of $100.00 (min $0.25, max $25.00) | $1.75 |
| Venmo1.75% of $100.00 (min $0.25, max $25.00) | $1.75 |
| Stripe Instant Payouts1.5% of $100.00 (min $0.50) | $1.50 |
| Cash App instant transfer0.5%–2.5% of $100.00 (min $0.25–$1.00, max $75.00) | $0.50–$2.50 |
| Apple Cash Instant Transfer1.7% of $100.00 (min $0.25, max $25.00) | $1.70 |
Payment app rates as of · verified · Fee change log → · Platforms may round differently by a cent.
Domestic payment, no extras, lowest fee first. The bar is the fee, drawn to one scale. Pick a row to see its slip above.
What each app takes from a payment, what an instant transfer costs, and the exact amount to ask for.What each app takes, and what to ask.
Every rate below is read from the app’s own fee page on the date shown, and the calculator uses the rate in force on today’s date.
Payment app rates as of · verified · Fee change log → · Platforms may round differently by a cent.
PayPal / Venmo friends & family: Not modeled — Not a way to take payment for a sale: using it for sales usually breaks the app’s terms and removes purchase protection (checked October 13, 2026).
Disputes and chargebacks: Not modeled — shown for information only, never added to a fee: PayPal standard dispute fee $15.00; PayPal card chargeback fee $20.00; Stripe dispute fee (+ $15 if you respond manually; refunded if you win) $15.00 (checked October 13, 2026).
Cash App Tap to Pay: Not modeled — an in-person rate (3%), outside this tool (checked October 13, 2026).
Payment apps file Form 1099-K the same way marketplaces do: for 2025 and 2026, when one app pays you over $20,000 in more than 200 payments for goods and services. All income is taxable whether or not a form arrives (IRS: Understanding your Form 1099-K · page dated June 28, 2026 · read October 13, 2026). Check each app with the 1099-K checker.
Guide · Pricing and profit
To receive $100.00, request $102.04 to $104.12
What PayPal, Venmo and Cash App take on a $100 sale, how much to request to receive $100, instant-transfer costs, and when a payment app sends a 1099-K.
In-depth guide · Taxes
A form only over $20,000 and over 200 transactions, per platform
The 1099-K is back to over $20,000 and over 200 payments per platform for 2025 and 2026. What that means for reported income, state forms and SE tax.
In-depth guide · Pricing and profit
$62.64 paid → $41.08 net payout → $22.71 profit
A $50 thrift find sold on eBay, worked line by line: fees, label, item cost, sourcing tax, supplies and mileage, then margin, ROI and markup.