Fee Transparency Report
PayPal Fees Exposed — 2026
Complete breakdown of every fee PayPal charges, including the hidden ones they don't advertise. Total estimated annual cost: $1,200+. Switch to Stripe and save $400+/year.
Potential Savings
$400+/year
by switching from PayPal ($1,200+/yr) to Stripe (2.9% + $0.30 per transaction/yr)
Advertised Fees
Standard Transaction Fee (Domestic)
per transaction
3.49% + $0.49
International Transaction Fee
per transaction
4.99% + $0.49
Instant Transfer to Bank
per transfer
1.75%
Chargeback Fee
per dispute
$20.00
Hidden Fees
Fees not prominently disclosed at signup
Currency Conversion Fee
per conversion
4.0%
Inactivity Fee
annually
$9.00
Micropayment Processing Surcharge
per transaction
5.0% + $0.05
Refund Processing Fee
per refund
$0.49
PayPal vs Stripe — Cost Comparison
PayPal
$1,200+
per year
Stripe
2.9% + $0.30 per transaction
per year
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