Stripe Fee Calculator
The Stripe fee calculator instantly shows how much Stripe charges per transaction, your net payout, and what to charge if you want to pass Stripe fees to your customer. Enter any transaction amount — the calculator applies the correct 2026 Stripe processing fee and returns your results in seconds. You can also use it as a reverse Stripe fee calculator: enter your desired net amount and find the gross price to charge. No signup required.
Also useful: You may also want to try our Credit Card Processing Fee Calculator for comparing processors, or our Markup Calculator to set profitable prices on your products.
Stripe Fee Calculator
Calculate exact Stripe fees before you charge your customers.
Bulk Stripe Fee Calculator
Calculate Stripe fees for multiple transactions — export to CSV or PDF.
| Description | Amount ($) | Plan | Stripe Fee | You Receive | Fee % |
|---|
What Is the Stripe Fee Calculator?
The Stripe fee calculator is a tool that estimates how much Stripe charges per transaction based on your payment amount, payment method, and customer location. It shows three key numbers: the Stripe fee, your net payout, and — in reverse mode — the gross amount to charge so you receive a specific net sum.
Stripe is one of the world’s most widely used payment processors, powering payments for businesses of all sizes — from solo freelancers to enterprise companies like Shopify, Zoom, and Slack. Understanding exactly how much Stripe takes from each transaction is essential for accurate pricing and profit margin management.
Most businesses assume Stripe simply charges 2.9% + $0.30. In reality, the Stripe fee structure has multiple layers — international cards, currency conversion, billing add-ons, and dispute fees — that can push your effective rate well above 2.9%. This calculator accounts for all of them.
Updated for 2026: All fee rates in this calculator are verified against Stripe’s official pricing page. Rates were last confirmed in September 2026.
How Much Does Stripe Charge? 2026 Fee Structure
Stripe uses a pay-as-you-go pricing model — no monthly fee, no setup fee, no contracts. You pay only when you process a payment. Here is the complete Stripe fee structure for 2026:
| Payment Type | Stripe Fee (2026) | Notes |
|---|---|---|
| US domestic card (online) | 2.9% + $0.30 | Standard rate — most transactions |
| International card | 4.4% + $0.30 | +1.5% on top of domestic rate |
| Currency conversion | +1.0% | Added when currency conversion needed |
| ACH Direct Debit | 0.8% (max $5.00) | Bank transfers — capped at $5 |
| In-person (Terminal) | 2.7% + $0.05 | Card-present transactions |
| Stripe Billing (subscriptions) | +0.7% of billing volume | For recurring/subscription payments |
| Stripe Invoicing | $0.25–$0.40 per paid invoice | On top of processing fee |
| Dispute / Chargeback | $15 per dispute | Even if you win |
| Instant Payout | 1.5% (min $0.50) | For same-day payouts |
Hidden costs: The headline rate of 2.9% + $0.30 applies only to standard US domestic card payments. International SaaS businesses typically pay 3.5–4.5% effective rate once international card surcharges, currency conversion, and Billing fees are factored in.
Stripe Fee Formula — How Stripe Calculates Fees
The basic Stripe fee calculation formula is:
Stripe Fee Formula
Stripe Fee = (Amount × Percentage) + Fixed Fee
For a standard US domestic transaction of $100:
- Percentage fee: $100 × 2.9% = $2.90
- Fixed fee: $0.30
- Total Stripe fee: $2.90 + $0.30 = $3.20
- Net payout: $100 − $3.20 = $96.80
Use the Stripe fee calculator above to calculate fees for any amount instantly.
How to Calculate Stripe Fees — Step by Step
Knowing how to calculate Stripe fees manually is useful for pricing decisions, budget forecasting, and understanding your true profit margin per transaction.
Or simply enter your amount into the Stripe fee calculator above — it does all of this in under a second.
Reverse Stripe Fee Calculator — What to Charge to Net a Specific Amount
The reverse Stripe fee calculator answers the most common question: “How much should I charge my customer so I receive exactly $X after Stripe takes its fee?”
The reverse Stripe fee formula is:
Reverse Stripe Fee Formula
Gross Amount = (Net Amount + Fixed Fee) ÷ (1 − Percentage Rate)
Example: You want to net $100 after Stripe fees (2.9% + $0.30):
- Gross Amount = ($100 + $0.30) ÷ (1 − 0.029) = $100.30 ÷ 0.971 = $103.30
- Stripe fee: $103.30 × 2.9% + $0.30 = $3.30
- Net payout: $103.30 − $3.30 = $100.00 ✓
Use the reverse Stripe fee calculator above to calculate the exact gross amount for any net target.
How to Use This Stripe Fee Calculator
To use the reverse Stripe fee calculator: switch to reverse mode, enter your desired net amount, and the calculator shows exactly what to charge your customer.
Stripe Fee Calculation — Domestic vs International
One of the biggest surprises for growing businesses is the difference between domestic and international Stripe fees. When a customer pays with a card issued outside your country, Stripe adds a 1.5% surcharge on top of the standard rate.
| Scenario | Rate | Fee on $100 | Net on $100 |
|---|---|---|---|
| US card (domestic) | 2.9% + $0.30 | $3.20 | $96.80 |
| International card | 4.4% + $0.30 | $4.70 | $95.30 |
| International + currency conversion | 5.4% + $0.30 | $5.70 | $94.30 |
| ACH Direct Debit (US) | 0.8% (max $5) | $0.80 | $99.20 |
For businesses with significant international customer bases, the Stripe fee difference between domestic and international adds up quickly. On $10,000 in monthly international revenue, you pay roughly $150 more in Stripe fees compared to domestic-only processing.
Tip: If you process large volumes internationally, consider using Stripe’s local payment methods or negotiate a custom rate — Stripe offers custom pricing for businesses processing $100,000+ per month.
How to Pass Stripe Fees to Customer
Many businesses — especially freelancers, consultants, and SaaS companies — choose to pass Stripe fees to customers rather than absorb them. There are two approaches:
Method 1 — Gross Up the Invoice
Use the reverse Stripe fee calculator to find the gross amount to charge. If your service costs $500 and you want to net $500 after fees, charge $515.46 — the calculator shows this instantly.
Method 2 — Add a Separate Processing Fee Line
Add a line item labeled “Payment processing fee (2.9% + $0.30)” to your invoice. This is transparent but may feel unwelcoming to some customers.
Legal note: Some jurisdictions restrict surcharging credit card fees to customers. In the US, surcharging is legal in most states but prohibited in a few. Always check local regulations before passing fees to customers.
The most common approach is to bake the Stripe processing fee into your pricing from the start — use the Stripe fee calculator to find your true cost per transaction and price accordingly.
Stripe Fee Structure — Add-On Products
Beyond the standard processing fee, Stripe charges additional fees for its add-on products. These stack on top of the base 2.9% + $0.30:
- Stripe Billing: +0.7% of billing volume. For subscription and recurring payment management. On $10,000 monthly recurring revenue, that is $70/month extra.
- Stripe Invoicing: $0.25–$0.40 per paid invoice. Added to the standard processing fee.
- Stripe Tax: +0.5% per transaction. For automated tax calculation and collection.
- Stripe Radar (fraud detection): $0.05–$0.07 per screened transaction. For advanced fraud rules.
- Instant Payouts: 1.5% (minimum $0.50). To receive funds same-day instead of the standard 2-day payout.
For a typical SaaS business using Stripe Billing and Tax, the effective Stripe fee rate is closer to 4.1% — not 2.9%. Use our Stripe fee calculator with custom rate input to model your true cost.
Stripe vs PayPal Fees — Quick Comparison
Both Stripe and PayPal dominate online payment processing. Here is how their fee structures compare:
| Fee Type | Stripe | PayPal |
|---|---|---|
| Standard card (online) | 2.9% + $0.30 | 3.49% + $0.49 |
| International card | 4.4% + $0.30 | 4.99% + fixed fee |
| ACH / Bank transfer | 0.8% (max $5) | Not available (standard) |
| Monthly fee | None | None (standard) |
| Chargeback fee | $15 | $20 |
| Instant payout | 1.5% | 1.5% (min $0.25) |
For most online businesses, Stripe is cheaper than PayPal for standard card transactions. However, PayPal’s buyer recognition and trust factor can improve checkout conversion rates — sometimes worth the higher fee.
Credit Card Processing Fee Calculator — Beyond Stripe
Our Stripe fee calculator also functions as a general credit card processing fee calculator. Whether you use Stripe, PayPal, Square, or a custom processor, the same fee calculation formula applies:
Processing Fee Formula
Processing Fee = (Amount × Rate%) + Fixed Fee
Simply enter your processor’s rate and fixed fee into the custom fields to calculate fees for any payment processor — not just Stripe. This makes it a versatile payment processing fee calculator for comparing processors and modeling costs.
5 Tips to Reduce Your Stripe Fees
- Use ACH for large transactions. ACH Direct Debit costs 0.8% (max $5) vs 2.9% + $0.30 for cards. On a $1,000 invoice: ACH costs $5 vs card costs $29.30 — saving $24.30 per transaction.
- Negotiate custom pricing. Stripe offers custom rates for businesses processing $100,000+ monthly. Even a 0.3% reduction saves $3,000 per $1 million processed.
- Reduce chargebacks. Each chargeback costs $15 even if you win. Use Stripe Radar and clear billing descriptors to minimize disputes.
- Price in the customer’s local currency. Reduce currency conversion fees (+1%) by offering local currency pricing where possible.
- Build fees into your pricing. Use the reverse Stripe fee calculator above to price products and services so Stripe fees are already covered — never undercharge.
Frequently Asked Questions
How much does Stripe charge per transaction?
Stripe charges 2.9% + $0.30 per successful domestic card transaction in the US. For international cards, the rate is 4.4% + $0.30. ACH Direct Debit costs 0.8% (capped at $5). There are no monthly or setup fees on the standard plan.
How do I calculate Stripe fees?
Stripe fee = (Transaction Amount × 2.9%) + $0.30 for standard US cards. Example: $100 payment → ($100 × 0.029) + $0.30 = $2.90 + $0.30 = $3.20 fee. Net payout = $100 − $3.20 = $96.80. Or use the Stripe fee calculator above for instant results.
What is the Stripe fee for $100?
On a $100 domestic US card payment, Stripe charges $3.20 (2.9% + $0.30). Your net payout is $96.80. For an international card, the fee is $4.70 (4.4% + $0.30), leaving you $95.30.
What is the Stripe fee for $1,000?
On a $1,000 domestic US card payment, Stripe charges $29.30 (2.9% + $0.30). Net payout = $970.70. For ACH Direct Debit, Stripe charges $5.00 (capped), leaving you $995.00.
How do I pass Stripe fees to my customer?
Use the reverse Stripe fee calculator: enter the amount you want to net, and it shows the gross amount to charge. For example, to net $100, charge $103.30. Alternatively, add a processing fee line item to your invoice — but check local regulations first, as surcharging rules vary by jurisdiction.
Does Stripe charge a monthly fee?
No. Stripe’s standard plan has no monthly fee, no setup fee, and no cancellation fee. You pay only when you process a payment. Add-on products like Stripe Billing (+0.7%), Stripe Tax (+0.5%), and Radar ($0.05–$0.07/transaction) have their own fees.
What is the Stripe fee for international transactions?
International card payments cost 4.4% + $0.30 — that is the standard 2.9% + $0.30 plus a 1.5% international card surcharge. If currency conversion is also needed, add another 1.0%, bringing the total to 5.4% + $0.30.
What is the Stripe ACH fee?
Stripe charges 0.8% for ACH Direct Debit, capped at $5.00 per transaction. This makes ACH significantly cheaper than card payments for high-value transactions — a $1,000 payment costs $5 via ACH vs $29.30 via card.
How does the reverse Stripe fee calculator work?
The reverse Stripe fee calculator finds the gross amount to charge when you know the net amount you want to receive. Formula: Gross = (Net + $0.30) ÷ (1 − 0.029). To net $500: ($500 + $0.30) ÷ 0.971 = $515.24. Stripe takes $15.24, you receive $500.
What is Stripe's effective fee rate?
For basic domestic card processing, the effective Stripe fee rate is 2.9% + $0.30. However, businesses using Stripe Billing (+0.7%), Stripe Tax (+0.5%), and processing international cards regularly face effective rates of 3.5–4.5%. Use our Stripe fee calculator with custom rates to model your true effective rate.
Does Stripe charge a fee for refunds?
Stripe does not charge a fee to issue a refund, but the original processing fee is not returned. If you refund a $100 payment, Stripe keeps the $3.20 processing fee. You receive back the $96.80 that was deposited, not the full $100.
What is the Stripe fee for subscriptions?
Subscription payments processed via Stripe Billing cost the standard 2.9% + $0.30 per transaction plus a Billing fee of 0.7% of billing volume. On $5,000 in monthly recurring revenue, the Billing add-on costs $35/month on top of card processing fees.
How does Stripe compare to PayPal fees?
Stripe charges 2.9% + $0.30 for standard US card payments. PayPal charges 3.49% + $0.49 for the same transaction type. Stripe is generally cheaper for card processing, while PayPal may offer higher checkout conversion due to buyer trust and one-click payments.