Stripe Fee Calculator

How to Use

1. Choose a mode: I charge shows your fee and net payout for a given charge. I want to receive finds the amount to charge so you end up with a set sum.
2. Enter the amount: The total the customer pays (include any sales tax), or the amount you want to receive.
3. Pick the payment type: Online card, in-person with Stripe Terminal, or a custom rate for another country or negotiated pricing.
4. Tick any extra fees: Manually keyed card, international card or currency conversion, if they apply to the payment.
5. Read the results: The amount charged, Stripe’s fee, your net payout and the effective rate update instantly.

What You'll Discover

• You receive — the charge minus Stripe’s fee, which is the money that reaches your Stripe balance.
• Stripe fee — the percentage fee plus the fixed fee, rounded to the nearest cent.
• Amount to charge — in I want to receive mode, the smallest charge in whole cents that leaves you with at least your target.
• Rate applied — the combined percentage and fixed fee used, such as 4.4% + $0.30 for an online charge on an international card.
• Effective rate — the fee as a share of the charge. The fixed fee makes it higher on small payments.

If the amount is empty, zero or negative, the results show a dash. The calculator covers card processing only; disputes, instant payouts, Billing and other Stripe products are priced separately (see the table below). For the tax side of a sale, try the VAT calculator.

Stripe's Standard US Card Fees

The calculator’s defaults are the US standard-pricing rates published on Stripe’s pricing page, last checked in November 2026. Stripe states that standard pricing has no setup fees, monthly fees or hidden fees; you pay per successful transaction.

The fee is a percentage of the charge plus a fixed amount, and the surcharges add to the percentage:

Fee = Charge × Percentage + Fixed fee

You receive = Charge − Fee

Small payments cost more, in percentage terms

The $0.30 fixed fee is a larger share of a small payment, so the effective rate falls as the amount grows:

How the extra fees stack on a $100 charge

An international card is generally one issued outside the country of your Stripe account. Stripe decides which rate applies to a given payment, so your dashboard is the final word.

Charging Extra to Receive an Exact Amount

If you want to receive exactly $100, charging $100 plus the fee does not work, because Stripe takes its percentage of the larger amount too. Work backwards instead. Add the fixed fee to your target, then divide by one minus the percentage rate:

Charge = (Target + Fixed fee) ÷ (1 − Percentage)

For a $100 target at 2.9% + $0.30: ($100 + $0.30) ÷ (1 − 0.029) = $100.30 ÷ 0.971 = $103.2955…, which rounds up to $103.30. The fee on $103.30 is $3.30, leaving exactly $100.00. The shortcut of adding $3.20 gives a charge of $103.20, a $3.29 fee and only $99.91 received.

Rounding to the cent

The calculator rounds the fee to the nearest cent, with half a cent rounding up, and in reverse mode it picks the smallest whole-cent charge that leaves at least your target. Stripe’s own rounding may differ by a cent on some amounts, so treat the figures as close estimates and check your dashboard.

Passing fees on to customers

Many sellers simply build the cost into their prices. Adding a separate card surcharge is a different matter: rules differ by country, state and card network, so check Stripe’s documentation and local law first. If you charge sales tax, the fee applies to the whole amount charged, so enter the tax-inclusive total. The VAT calculator splits a price into net and tax.

Refunds

Stripe says there is no fee for issuing a card refund, but the processing fees from the original payment are not returned. Refunding a $100 payment that cost $3.20 in fees leaves you $3.20 out of pocket.

Other Stripe Charges, ACH and Other Countries

Charges this calculator does not include

These US rates come from the same pricing page. They are separate from card processing, so they are not in the results above.

ACH Direct Debit and the $5 cap

Because ACH Direct Debit is 0.8% with a $5.00 cap, the cap is reached at $625 ($5 ÷ 0.008). A $100 payment costs $0.80 by ACH against $3.20 by online card. A $2,000 payment costs $5.00 by ACH against $58.30 by card. This calculator does not handle ACH; the figures here are simple arithmetic on the published rate.

Stripe fees by country

Stripe prices differ by country. These are the standard card rates shown on Stripe’s own pages for each country in November 2026. Choose Custom rate in the calculator and type the percentage and fixed fee to use them. The last column is 100 units of the local currency at the standard domestic rate.

Premium cards, other EEA countries and other payment methods can carry different rates, so check the pricing page for your own country. Stripe also offers custom pricing for businesses with large processing volumes, with eligibility varying by market. To compare card costs with another processor, try the PayPal fee calculator.

What Does Stripe Take If...

How much does Stripe take from a $100 payment?

Stripe takes $3.20 from a $100 online card payment, so you receive $96.80. The fee is $100 × 2.9% = $2.90, plus the $0.30 fixed fee. That is an effective rate of 3.2%.

How much does Stripe take from a $10 payment?

Stripe takes $0.59 from a $10 payment, leaving $9.41. The percentage part is only $0.29, but the $0.30 fixed fee brings the effective rate up to 5.9%. Small charges are where the fixed fee hurts most.

How much does Stripe take from a $1,000 payment?

Stripe takes $29.30 from a $1,000 payment, leaving $970.70. That is $29.00 in percentage fee plus $0.30, an effective rate of 2.93%, close to the headline 2.9%.

How much does Stripe take if the customer’s card is international?

An international card on a $100 online payment costs $4.70, so you receive $95.30. The rate becomes 2.9% + 1.5% = 4.4%, plus $0.30. If currency conversion is also needed, add 1%: the rate is 5.4% + $0.30, the fee is $5.70 and you receive $94.30.

How much does Stripe take if I key the card in by hand?

A manually entered card on a $100 online payment costs $3.70, leaving $96.30. The extra 0.5% makes the rate 3.4% + $0.30. Tick Card keyed in manually in the calculator to see it.

How much does Stripe take from a $100 in-person Terminal payment?

A $100 in-person payment on a domestic card costs $2.75, so you receive $97.25. That is $100 × 2.7% = $2.70 plus $0.05. An international card on Terminal adds 1.5%, for a $4.25 fee.

How much do I charge if I want to receive $100?

Charge $103.30 to receive $100.00 after Stripe’s online fee. The fee on $103.30 is $3.30. Use I want to receive mode to get the figure for any amount.

How much do I charge if I want to receive $50?

Charge $51.80 to receive $50.00. The fee on $51.80 is $1.80 ($1.50 plus $0.30, rounded), which leaves exactly $50.00. Charging $51.75 (the $50 plus the $1.75 fee on $50) would leave less than $50.

How much does Stripe take if the amount includes sales tax?

On a $100 item with 8% sales tax, the customer pays $108 and the fee is $3.43, so you receive $104.57. The fee is calculated on the whole $108, not on $100. Enter the tax-inclusive total when you use the calculator, and remember that the tax part is owed to the tax authority, not yours to keep.

How much does Stripe take if I refund a payment?

Stripe does not charge for a card refund, but it does not give back the original fee. If you refund a $100 payment, the customer gets $100 back, and you are out the $3.20 fee from the original charge. The fixed $0.30 is part of that unreturned amount.

People Also Search For

How to calculate Stripe fees by hand

Multiply the charge by the percentage rate, add the fixed fee, and subtract the total from the charge. For a $200 online card payment: $200 × 0.029 = $5.80, plus $0.30 = $6.10 fee, and $200 − $6.10 = $193.90 received. Round the fee to the nearest cent at the end.

What does Stripe charge on a $29 monthly subscription?

A $29 charge costs $1.14 in card fees, so you receive $27.86, an effective rate of about 3.93%. Over 12 monthly payments the fees come to $13.68. Stripe Billing is priced separately (0.7% of Billing volume on pay as you go), and this calculator does not add it.

Does Stripe charge monthly or setup fees?

For standard pricing, Stripe says it does not charge setup fees, monthly fees or hidden fees. You pay the per-transaction rates on successful payments. Optional products such as Billing and Terminal hardware have their own prices, so read the pricing page for the products you use.

How can I lower my Stripe fees?

Lower the cost per payment by choosing cheaper methods, or ask Stripe about custom pricing if your volume is large. Stripe says custom pricing is available for businesses with large payments volume, with eligibility varying by market. For larger invoices, ACH Direct Debit is capped at $5.00 in the US, as in the table above. Avoiding manually keyed entries also removes the extra 0.5%.

Is ACH cheaper than a card on Stripe?

For US payments, ACH Direct Debit is 0.8% capped at $5.00, which is less than the 2.9% + $0.30 card rate at every amount. A $500 payment costs $4.00 by ACH and $14.80 by card. Whether customers will use a bank debit instead of a card is a separate question for your business.

What are Stripe’s fees in the UK, Europe and Australia?

On Stripe’s UK page the standard UK card rate is 1.5% + 20p, on its Ireland page standard EEA cards are 1.5% + €0.25, and on its Australia page domestic cards are 1.65% + A$0.30. International cards and currency conversion cost more. The country table above has the details; use Custom rate to run the numbers for any of them.

Frequently Asked Questions