EarnquoMethodology
A calculator is only useful when you can understand what went into it. This page explains the rules we use for sources, formulas, rounding, updates and uncertainty.
Updated October 12, 2026
For provider-specific fees, Earnquo prefers the provider's own pricing or policy page over third-party summaries. The current Netherlands PayPal calculator points to PayPal's business fees; the Stripe calculator points to Stripe Netherlands pricing.
Each provider page shows a verification date. A verification date means we checked the cited source; it does not mean the provider guarantees that pricing for every account or transaction.
Provider pricing can depend on country, currency, card or customer region, payment method, account agreement and currency conversion. Earnquo displays the relevant assumptions next to the calculator instead of presenting one number as universally correct.
The PayPal and Stripe tools currently model a Netherlands business receiving or processing EUR payments under the standard assumptions shown on each page. Translated pages do not silently turn those assumptions into local pricing for another country.
Fee amounts are rounded to cents. Gross-to-net calculations apply the selected percentage rate, add the fixed fee and subtract the total from the gross amount. Reverse calculations solve for a candidate gross amount and then check cent by cent until the smallest value that still reaches the requested net amount is found.
This matters because simply adding a fee percentage to a desired net amount is often mathematically insufficient: the percentage is charged on the final, higher amount.
Earnquo uses words such as “estimate”, “planning value” and “illustrative” deliberately. Real charges or earnings can differ because of custom pricing, taxes, currency conversion, premium cards, refunds, disputes, eligibility rules, platform changes or data from your own account.
Where your own dashboard provides an account-specific metric — for example a YouTube RPM — that value is generally a better input than a generic preset.
Rates are not treated as permanent facts. When a provider changes a pricing page or policy, the related calculator should be reviewed before the displayed assumptions are changed. Material changes are tested against known examples before release.
If you notice a source that changed before we did, email [email protected] with the page and source link.
PayPal Netherlands: source updated 2026-07-15; verified by Earnquo 2026-10-12. The standard domestic commercial model is 3.40% + €0.35. The modeled additional international surcharge is 0% for EEA customers, 1.29% for UK customers and 1.99% for other markets.
Stripe Netherlands: verified by Earnquo 2026-10-12. The current standard-card model is 1.50% + €0.25 for standard EEA cards, 2.50% + €0.25 for UK cards and 3.15% + €0.25 for other international cards, with an additional 2% when currency conversion is required.
The Stripe model intentionally represents standard EEA cards rather than premium-card or custom pricing. These dates are evidence of the last recorded source check in the calculator code, not a promise that a provider has not changed pricing since then.