Same $100 · locked hub formulas

$96.80 vs $96.40

Stripe keeps $0.40 more on this $100 payment sketch (before COGS / monthly plan). Official first-paint from /stripe-keep/ and /square-online-keep/.

Stripe KEEP
$96.80
Square KEEP
$96.40
Delta (Stripe − Square)
+$0.40

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 /stripe-keep/ (#out $96.80) and /square-online-keep/ (#out $96.40). No invented interchange / BNPL / plan bake-in. Last verified 2026-09-18.

Last verified: 2026-09-18 · Locked hubs /stripe-keep/ (#out $96.80) · /square-online-keep/ (#out $96.40) · planning only · Fee changes · live ranker

Stripe lock: 2.9%+$0.30 → KEEP = sale − 0.029×sale − 0.30. Square lock: 3.3%+$0.30 → KEEP = sale − 0.033×sale − 0.30.

Reverse / target KEEP · locked hub formulas

Target KEEP $ → required charge ( Stripe vs Square )

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.

Stripe charge
—
Square charge
—

Reverse: Stripe sale = (KEEP + 0.30) / 0.9710 · Square sale = (KEEP + 0.30) / 0.9670. Forward check on $100: Stripe $96.80 · Square $96.40.

Stripe vs Square Online fees calculator — keep $96.80 vs $96.40 on $100

Payment rails SERP pack: same charge on Stripe and Square Online Free using only locked KEEP hubs — not a slogan, and not an invented interchange row. On $100, Stripe KEEP is $96.80; Square is $96.40 (Stripe ahead by $0.40). Board: payments KEEP compare.

Not affiliated with PayPal, Stripe, or Square. Shopify Impact links are disclosed affiliates. First-paint numbers match /stripe-keep/ and /square-online-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
Stripe2.9%+$0.30$96.80/stripe-keep/
Square Online Free3.3%+$0.30$96.40/square-online-keep/

Winner on this $100 sketch: Stripe by $0.40 vs Square (processing keep — not traffic). Disclosed Shopify Impact affiliate under the card.

What each hub actually locks

Stripe → KEEP $96.80 on $100

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

Square Online Free → KEEP $96.40 on $100

Formula on hub: KEEP = sale − 0.033×sale − 0.30. Sources linked from Square KEEP.

When the gap moves (still official only)

FAQ

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

Stripe KEEP $96.80 (2.9%+$0.30). Square Online Free KEEP $96.40 (3.3%+$0.30). Stripe keeps $0.40 more on this $100 sketch. Planning only.

Are these the same formulas as /stripe-keep/ and /square-online-keep/?

Yes. First-paint only those locked official starting formulas. Stripe: KEEP = sale − 0.029×sale − 0.30. Square: KEEP = sale − 0.033×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) Stripe KEEP hub Square KEEP hub Payments compare

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