Freelance Payment Fee Calculator

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* Fee structures may vary by region and account type.

Net Received

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Initial
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Fees
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Rate

Fee Breakdown

Platform Fee -$0.00

Platform Comparison

PLATFORM FEE NET

Understanding Freelance Payment Fees and Processing Costs

As a freelancer, keeping track of payment processing fees is essential to maintaining your profit margins. Whether you are invoicing international clients via Wise or accepting credit cards through Stripe, every transaction comes with a hidden cost.

PayPal vs. Stripe

PayPal is widely recognized and frequently requested by clients, but its cross-border fees and higher commercial transaction charges can take a significant bite out of your earnings. Stripe often provides more transparent flat-rate pricing for credit card processing, though you should still account for international currency conversion fees if your business operates globally.

Using the Payment Fee CFO

Our tool allows you to reverse-engineer invoices. Using the "I Need to Ask For" mode, you can calculate the exact gross amount to request on your invoice so that your net payout hits your goal after platform fees are deducted.

Frequently Asked Questions

Can I ask clients to cover the fee?

Yes, many freelancers adjust their hourly rates or specify a processing fee surcharge in their contracts.

Are bank transfers cheaper?

Generally, ACH transfers or direct bank wires carry lower percentage fees than credit card and PayPal payments.