Stripe vs PayPal vs Square — see what you actually keep per $1,000 in sales
Payment processor rates are standard published rates as of 2026. Actual rates may vary based on volume, risk assessment, and negotiated agreements. International transaction fees and currency conversion fees not included. Always confirm current rates on the processor's website.
About this tool
See exactly what you keep after fees: Stripe vs PayPal vs Square. Free, instant.
What Is the Payment Processor Compare?
The Payment Processor Compare is a free browser-based legal information tool that helps you understand payment processor compare requirements and generate compliant documents without expensive attorney fees. The tool runs entirely in your browser — no personal information, case details, or document content is uploaded to any server. It uses current Stripe vs PayPal regulations and standards updated for 2026, with citations to relevant statutes and case law. The generated documents are production-ready and formatted for immediate use. Important: this tool provides legal information, not legal advice — consult a licensed attorney for complex situations.
Who Should Use This Tool?
Small business owners use this tool to generate payment processor compare documents without paying $200-500 per hour for an attorney. Freelancers and contractors check Stripe vs PayPal requirements before signing agreements. Startups create compliance documents during formation. Website owners generate payment gateway fees policies required by app stores, ad networks, and privacy regulations. Individuals use it to understand their rights and generate request letters. Law students use it as a reference tool to see properly formatted legal documents. The tool is especially valuable for those who cannot afford legal counsel but need basic document generation.
How to Use the Payment Processor Compare
Select your jurisdiction or document type from the dropdown menu. Fill in the required fields — business name, jurisdiction, data practices, or agreement terms depending on the tool. The tool generates a formatted document instantly using current payment processor compare standards. Review the output in the preview panel, then copy to clipboard or download as Markdown or HTML. The generated document includes all legally required sections and citations. For complex situations, use the generated document as a starting point and have an attorney review the final version. All data stays in your browser — nothing is saved or transmitted.
Frequently asked
How do Stripe, PayPal, and Square fees compare?
Standard online rates: Stripe charges 2.9% + $0.30, PayPal charges 3.49% + $0.49, and Square charges 2.9% + $0.30. On a $10,000/month volume, PayPal costs $58 more per month than Stripe. In-person rates differ: Square is 2.6% + $0.10, making it cheapest for card-present transactions.
Does it account for chargeback and international fees?
Yes. It includes chargeback fees ($15-$25 per dispute), international card surcharges (+1.5% for Stripe, +1.65% for PayPal), and currency conversion costs. A business processing 20% international transactions pays an effective rate of 4.4%-5.1%, which this tool calculates for your specific revenue mix.
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