WooPayments Fee Calculator
Fees and net payout per order by country, card origin and currency conversion, compared with Stripe, PayPal and Square.
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WooPayments fee per order
$2.78
3.47% of an average $80.00 order, so you're paid out $77.22. That's $834 a month across 300 orders.
- Domestic card order
- $2.62
- Foreign card order (+1.5%)
- $3.82
- Fees per year
- $10,008
Square comes out $48 a month cheaper here. Weigh that against setup: WooPayments runs inside WooCommerce with no separate account to reconcile. PayPal and Square are compared without currency conversion.
Breakdown
- Base card rate
- 2.9% + 0.30
- International fee (cards issued outside the US)
- +1.5%
- Currency conversion fee
- +1%
- Blended fee per order
- $2.78
- Net payout per order
- $77.22
How WooPayments fees add up
WooPayments has no monthly fee. Each card payment pays a base fee, plus an international fee if the card was issued outside your account country, plus a currency conversion fee if the customer pays in a currency you have no payout account for.
| Account country | Base card fee | International | Conversion | Dispute |
|---|---|---|---|---|
| United States | 2.9% + $0.30 | +1.5% | +1% | $15 |
| United Kingdom | 1.5% + £0.25 | +2% | +2% | £15 |
| Canada | 2.9% + C$0.30 | +1% | +2% | C$20 |
| Australia | 1.75% + A$0.30 | +1.5% | +2% | A$25 |
| Eurozone (e.g. Germany, France) | 1.5% + €0.25 | +2% outside Europe | +2% | €15 |
Example (the calculator's starting numbers, US)
- Average order
- $80, 300 orders a month
- Foreign cards
- 10% of orders (+1.5%)
- Currency conversion
- 5% of orders (+1%)
- Blended rate
- 2.9% + 0.1 × 1.5% + 0.05 × 1% = 3.1%
80 × 3.1% + $0.30 = $2.78 per order, a $77.22 payout, and $834 a month in fees.
How Stripe, PayPal and Square compare
- Stripe (US): 2.9% + 30¢, +1.5% for international cards, +1% for conversion. UK: 1.5% + 20p for standard UK cards, 3.15% + 20p for non-EEA cards. Stripe's Australian page says lower domestic pricing starts 1 Oct 2026.
- PayPal (US): 3.49% + 49¢ for PayPal Checkout, 2.99% + 49¢ for standard card payments, +1.5% international. The calculator uses the PayPal Checkout rate. Its currency conversion spread isn't included.
- Square (US): 2.9% + 30¢ through its online API. Square's US page lists no separate international card fee, so none is added. Conversion isn't included.
Eurozone rates for Stripe, PayPal and Square vary by country, so the comparison runs for the US, UK, Canada and Australia only.
Cutting your WooPayments fees
- 01
Add payout currencies
The conversion fee applies when a customer pays in a currency you have no payout bank account for. If one foreign currency brings a lot of orders, check whether WooPayments can pay out to a bank account in that currency.
- 02
Price in your customers' currency
WooPayments' multi-currency feature shows shoppers local prices. Conversion fees still apply unless you have a matching payout account, so price for them.
- 03
Watch disputes
Each dispute costs a flat fee (for example $15 in the US), refunded if you win. Clear shipping and refund policies prevent most of them.
WooPayments fees aren't refunded when you refund an order. In the UK, EU and Australia, VAT or GST is added to the fees unless you're registered and give your tax ID. Rates last checked 30 Sep 2026.
Questions people ask
What are WooPayments fees in the US?
2.9% + $0.30 per card payment, plus 1.5% for cards issued outside the US and 1% when currency conversion is needed. There are no monthly fees. Disputes cost $15, refunded if you win.
Is WooPayments cheaper than Stripe?
In the US the online card rates are the same (2.9% + 30¢, +1.5% international, +1% conversion). In the UK, Stripe's base rate for standard UK cards is 1.5% + 20p against WooPayments' 1.5% + 25p.
Does WooPayments charge a monthly fee?
Not for online payments. Stores using an external card reader for in-person payments pay a monthly fee per active reader ($5 in the US).
Are WooPayments fees refunded when I refund an order?
No. Transaction fees stay charged when you refund a customer.
Related tools
Want this builtinto your store?
I'm Emmanuel, a Shopify and WooCommerce developer. If this tool pointed at something you'd rather have fixed for you (a faster store, cleaner product data, a migration, a custom feature), send me a note.
Emmanuel Asika
Shopify & WooCommerce developer, Dublin
I build and fix online stores: new builds, migrations, speed, SEO and the custom bits apps can't do.
Last reviewed 30 September 2026.
Sources: WooPayments: Fees · Stripe pricing (US) · Stripe pricing (UK) · Stripe pricing (Canada) · Stripe pricing (Australia) · PayPal merchant fees (US) · PayPal merchant fees (UK) · PayPal merchant fees (Canada) · PayPal merchant fees (Australia) · Square pricing (US) · Square pricing (UK) · Square pricing (Canada) · Square pricing (Australia)