Same $100 · locked hub formulas

$96.02 vs $96.80

Stripe keeps $0.78 more on this $100 payment sketch (before COGS / monthly plan). Official first-paint from /paypal-checkout-keep/ and /stripe-keep/.

PayPal KEEP
$96.02
Stripe KEEP
$96.80
Delta (Stripe − PayPal)
+$0.78

Compare / Start Shopify — keep $96.80 on $100 (Basic Payments · Impact · FTC) · planning only · compare ranker · payments compare

I get commissions for purchases made through links in this post. Compensated as a Shopify affiliate.

Official first-paint ONLY — rates locked to /paypal-checkout-keep/ (#out $96.02) and /stripe-keep/ (#out $96.80). No invented interchange / BNPL / plan bake-in. Last verified 2026-09-18.

Last verified: 2026-09-18 · Locked hubs /paypal-checkout-keep/ (#out $96.02) · /stripe-keep/ (#out $96.80) · planning only · Fee changes · live ranker

PayPal lock: 3.49%+$0.49 → KEEP = sale − 0.0349×sale − 0.49. Stripe lock: 2.9%+$0.30 → KEEP = sale − 0.029×sale − 0.30.

Reverse / target KEEP · locked hub formulas

Target KEEP $ → required charge ( PayPal vs Stripe )

Enter the net you want after fees. We solve the charge each locked formula needs. Same algebra as /seller-fees/break-even/. No invented fees.

PayPal charge
—
Stripe charge
—

Reverse: PayPal sale = (KEEP + 0.49) / 0.9651 · Stripe sale = (KEEP + 0.30) / 0.9710. Forward check on $100: PayPal $96.02 · Stripe $96.80.

PayPal vs Stripe fee calculator — keep $96.02 vs $96.80 on $100

Payment rails SERP pack: same charge on PayPal Checkout and Stripe using only locked KEEP hubs — not a slogan, and not an invented interchange row. On $100, PayPal KEEP is $96.02; Stripe is $96.80 (Stripe ahead by $0.78). Board: payments KEEP compare.

Not affiliated with PayPal, Stripe, or Square. Shopify Impact links are disclosed affiliates. First-paint numbers match /paypal-checkout-keep/ and /stripe-keep/ as of 2026-09-18. Confirm live rates in your dashboards. Planning only — not tax or legal advice.

Same-$100 KEEP compare (official locks)

RailOfficial starting fee (hub lock)KEEP on $100Hub
PayPal Checkout3.49%+$0.49$96.02/paypal-checkout-keep/
Stripe2.9%+$0.30$96.80/stripe-keep/

Winner on this $100 sketch: Stripe by $0.78 vs PayPal (processing keep — not traffic). Disclosed Shopify Impact affiliate under the card.

What each hub actually locks

PayPal Checkout → KEEP $96.02 on $100

Formula on hub: KEEP = sale − 0.0349×sale − 0.49. Sources linked from PayPal KEEP.

Stripe → KEEP $96.80 on $100

Formula on hub: KEEP = sale − 0.029×sale − 0.30. Sources linked from Stripe KEEP.

When the gap moves (still official only)

FAQ

How much do you keep on $100 with PayPal vs Stripe?

PayPal Checkout KEEP $96.02 (3.49%+$0.49). Stripe KEEP $96.80 (2.9%+$0.30). Stripe keeps $0.78 more on this $100 sketch. Planning only.

Are these the same formulas as /paypal-checkout-keep/ and /stripe-keep/?

Yes. First-paint only those locked official starting formulas. PayPal: KEEP = sale − 0.0349×sale − 0.49. Stripe: KEEP = sale − 0.029×sale − 0.30. No invented interchange.

Is monthly software inside KEEP?

No. Monthly plan / subscription opex is typed separately on hubs (default $0) and never baked into per-sale KEEP.

Is this affiliated with PayPal, Stripe, Square, or Shopify?

Not affiliated with PayPal, Stripe, or Square. Shopify Impact links are disclosed affiliates (FTC). Educational planning only. Confirm live fees in each dashboard.

Keep $96.80 on Shopify — Start Shopify (Impact · FTC) PayPal KEEP hub Stripe KEEP hub Payments compare

Related

Break-even list price Seller fee index Payments KEEP compare Handmade Etsy vs Shopify Shopify vs Amazon PayPal KEEP $96.02 Stripe KEEP $96.80 Compare marketplaces