# Swappa Fee Calculator > Free Swappa fee calculator with 2026 rates: 3% seller fee plus PayPal (3.49% + $0.49) or Stripe (2.9% + $0.30) processing. See what you keep or what to charge. *Interactive tool: enter your values at https://toollantern.win/swappa-fee-calculator/ and results update instantly in your browser.* ## Frequently asked questions ### What are Swappa's seller fees? 3% of your Ask Price, taken when the item sells. Payment processing is separate: 3.49% + $0.49 through PayPal, or 2.9% + $0.30 through Stripe for select sellers. Listing is always free. ### Does the buyer pay fees on Swappa? Yes, a 3% buyer fee built into the listing price. A $100 Ask Price shows to buyers as $103. The buyer fee does not come out of your payout; it is added on top of your Ask Price. ### Is Swappa cheaper than eBay for sellers? Usually, by a lot. Swappa's flat 3% seller fee plus processing lands around 6 to 7% total, while eBay's final-value fees run 13.6% on most categories before processing. Swappa only handles used tech, though. ### How much does Swappa take on a $300 sale? The Swappa seller fee is $9. Through PayPal, processing on the $309 buyer total is $11.28, so you keep $279.73. Through Stripe it is $9.26 in processing and you keep $281.74. ### Is listing on Swappa free? Yes. Creating a listing costs nothing, and you only pay the 3% seller fee plus processing when the item actually sells. ### Can I use Stripe instead of PayPal on Swappa? Only select business sellers get Stripe checkout at 2.9% + $0.30. Most sellers are paid through PayPal at 3.49% + $0.49. ### What should I list my phone at to keep $500? About $535.83 for a PayPal sale: ($500 + $0.49) divided by (1 - 0.03 - 1.03 x 0.0349). The calculator's reverse mode does this for any target. ### Does Swappa charge for shipping? No separate shipping fee. Shipping is included in the listing price; as the seller you pay the carrier and must ship within two business days with tracking. --- Interactive version: https://toollantern.win/swappa-fee-calculator/