Stripe charges standard processing fees with minimal FX spread, whereas PayPal adds up to 3.5% hidden foreign exchange markup on cross-border payments.
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Stripe vs PayPal Fees for Freelancers (2026 Calculator)
Compare processing fees, FX markup costs, and cross-border bank transfer fees between Stripe and PayPal.
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Stripe
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Gross Invoice$1000.00
Receiving Fee$0.00
Hidden FX Spread—
Mid-Market Rate—
Frequently Asked Questions
PayPal charges higher base processing rates plus a 3.5% currency conversion spread on international payouts.
Yes, Stripe supports multi-currency routing to local bank accounts with lower conversion fees.