Which payment app has the lowest fees?
On a $100 sale the cheapest option above is Venmo (Business profile) at $2.00, and the most expensive is eBay (Most categories) at $14.00. Marketplaces cost more because they bring buyers; payment apps only move money. Fixed fees make every platform relatively more expensive on small sales.
Standard fees at a glance
| Platform | Standard US rate |
|---|---|
| PayPal | 2.99% (goods & services payment) |
| eBay | 13.6% + $0.40 per order (most categories) |
| Etsy | $0.20 + 6.5% + 3% + $0.25 |
| Stripe | 2.9% + $0.30 (online card) |
| Square | 2.6% + $0.15 in person, 3.3% + $0.30 online (Free plan) |
| Shopify | 2.9% + $0.30 online (Basic plan) |
| Venmo | 1.9% + $0.10 (business profile payment) |
| Cash App | 2.75% (business account payment) |
Each platform has its own calculator with every payment type, international and conversion fees, a reverse mode that tells you what to charge, and profit after your cost.
US rates checked October 2026 from each platform's fee page. Platforms change fees; confirm in your account before pricing.