Want $1,000 to land? Here's what to invoice.

RealRateCalc team

Updated Oct 2026

Stripe US domestic card, 2.9% + $0.30: invoice $1,030.17 to receive $1,000. PayPal Invoicing, 3.49% + $0.49: $1,036.67.

Updated Oct 2026

$1,030.17 to receive $1,000.00

Stripe US card 2.9% + $0.30. Fee $30.17. Smallest cent that still nets $1,000.00.

Check your state before you surcharge. Stripe's docs limit the feature to US credit cards at 3% and Canada credit cards at 2.4%. This page does not list state rules.

Charge to receive $100

These figures are already published on the linked hubs for a $100 target. This table does not add a rate.

ProcessorRate on the hubCharge to receive $100
PayPal Goods and Services2.99%$103.08
Stripe US card2.9% + $0.30$103.30
Shopify Basic2.9% + $0.30$103.30
PayPal Checkout3.49% + $0.49$104.12

Square, Venmo, and Cash App keep their opening numbers on their own hubs. A charge-to-receive figure is listed here only when that hub already publishes one.

Gross-up, then re-check the cent

Invoice = (target + fixed) ÷ (1 − percent). Round up to the next cent, then step back a cent only while the net is still at least the target. Net = invoice − (invoice × percent + fixed), with the fee rounded half-up to the cent. Rates: Stripe US card and the locked PayPal Invoicing headline.

Questions

How do I calculate what to charge so I receive an exact amount?

Invoice = (target + fixed fee) ÷ (1 − percent). Round up to the cent, then step back a cent while the net is still at least the target. Stripe US card on $1,000 is $1,030.17. PayPal Invoicing is $1,036.67.

Why isn't it just the target plus 2.9%?

The percent applies to the larger invoice, not to the target. Adding 2.9% of $1,000 leaves you short of $1,000 after the fee and the 30 cents.

Can I add the card fee as a surcharge?

Stripe's surcharge docs say US credit cards only, maximum 3%, and Canada credit cards only at 2.4%. Disclose it before purchase and show it on the receipt. State rules are not listed here. Check your state.

Is it better to raise my rate or add a fee line?

The dollars match. The invoice layout does not. Raising the rate is on the raise-your-rate page.

Which payment method keeps the most on a $2,000 invoice?

Compare Stripe and PayPal on the get-paid page and the invoice compare board. This card grosses up one method at a time.

PayPal goods and services · Deposit · Retainer

Official pages for the gross-up already on this page: Stripe pricing and PayPal business fees.