Electronics marketplace
Swappa seller fee calculator
Estimate a US Swappa sale from the Ask Price: your 3% seller fee, PayPal vs Stripe processing on the buyer’s listing price (Ask + 3% buyer fee), what the buyer pays, and the Ask you need to hit a target net. Nothing is uploaded.
Breakdown
How the numbers work
Swappa splits a flat marketplace fee between buyer and seller. Your Ask Price drives both lines; payment processing is charged separately on the amount the buyer pays (listing price, plus tax when collected).
- Ask Price: the amount you enter when listing. Listing is free until it sells.
- Seller fee: 3% of Ask Price, deducted from your side.
- Buyer fee: 3% of Ask added on top → listing price = Ask × 1.03 (before sales tax).
- Payment processing: PayPal 3.49% + $0.49 or Stripe 2.9% + $0.30 on the payment total. With 0% tax modeled here, that base is the listing price.
- Net (before your costs): Ask − seller fee − processing fee.
Unique angle vs thin Swappa fee calculators: every run shows Ask vs listing (buyer total before tax), PayPal vs Stripe keep side-by-side, effective rate of Ask, and reverse Ask-for-target-net — not just “3% + PayPal.”
Example (matches Swappa’s published $300 table): Ask $300 → listing $309. Seller fee $9.00. PayPal on $309 = $11.27. Keep $279.73 before ship/COGS. Effective fee rate of Ask ≈ 6.8%.
Primary source (fetched 2026-10-01): Swappa Fair Fees. Worked examples also on Marketplace Selling Fees (dated June 16, 2026).
FAQ
Is the 3% seller fee on Ask or on the listing price?
On the Ask Price. Swappa’s fees page: sellers pay 3% of the Ask; buyers pay a separate 3% added to that Ask to form the listing price.
Why is PayPal charged on more than my Ask?
PayPal (and Stripe) charge on the payment total the buyer sends. That includes the buyer’s 3% Swappa fee, so the processor base is Ask × 1.03 (plus sales tax when collected). Swappa’s $300 example uses PayPal on $309.
Should I use PayPal or Stripe?
Most sellers use PayPal; Stripe is available to select sellers. Stripe’s 2.9% + $0.30 is usually cheaper on the same Ask — the compare rows show both keeps every time. Use whichever processor your account actually has enabled.
What is “Ask to hit target net”?
It solves for Ask so Ask − 3%×Ask − processor(Ask×1.03) equals your target net (0% tax). Useful when you know what you want to walk away with and need a competitive Ask.
Does sales tax reduce my payout?
Swappa collects marketplace facilitator tax from the buyer where required; it does not come out of your Ask as a seller fee. Tax can still raise the payment total and therefore the PayPal/Stripe fee — this calculator assumes 0% tax so your estimate is a planning floor.
Is this exact to my settled payout?
No. It is a planning estimate from swappa.com/fees (fetched 2026-10-01). Sales tax, currency, refunds, and processor rule changes can differ. Match the live checkout / payout before you set inventory prices.