⚡ Stripe Fee Calculator
Calculate Stripe credit card processing deductions (2.9% + 30¢), international card fees, and net payout revenue. Free tool for SaaS and ecommerce.
The standard rate for a card charged through Stripe on the web.
Surcharges — these stack
Effective rate 3.20% on this transaction.
US rates, checked against Stripe’s own pricing page on 8 September 2026. That page geo-redirects — opened from another country it quietly shows that country’s rates, which is worth knowing if you check it yourself. Stripe pricing. Disputes, refunds, payouts, Billing and Radar are priced separately and are not included.
What Stripe Fee Calculator Does
Stripe’s headline US rate is 2.9% plus 30 cents, and that is genuinely the whole story for a straightforward domestic online card. What catches people out is that the surcharges stack, and that they are two separate things which sound like one.
An international card adds 1.5 percentage points. Currency conversion adds a further 1%. Those are independent: a card issued abroad but charged in dollars pays the first and not the second, while a card issued abroad and converted pays both, which makes the effective rate 5.4% rather than the 2.9% you priced against.
Every rate here was read from Stripe’s own US pricing page and stamped with the date it was checked. That page geo-redirects, which is worth knowing if you go to verify it: opened from outside the US it quietly serves that country’s rates instead, and they are substantially different.
And as with any card processor, the calculation people actually need is the reverse one — what to charge so that a specific amount lands. That is not the fee added to your target, because the percentage applies to the larger sum you invoice.
How to Use Stripe Fee Calculator
- Select card fee structure (Standard Card, International, or Billing)
- Enter customer payment amount
- Review your net bank deposit and exact required invoice charge
Formula Used by Stripe Fee Calculator
Fee, and the charge needed for a target payout
fee = gross × rate + fixed → gross = (target + fixed) ÷ (1 − rate)
- rate
- the base percentage plus any surcharges that apply, all added together
- fixed
- $0.30 online, $0.05 in person
Worked example
You want exactly $100.00 to arrive from a domestic online card at 2.9% + $0.30.
- Adding the fee to the target gives $103.20 — charge that and you receive $99.90. Short.
- Solve instead: (100 + 0.30) ÷ (1 − 0.029) = 100.30 ÷ 0.971
Result: $103.30, which nets exactly $100.00.
Stripe US rates
Read from Stripe’s US pricing page on 8 September 2026. Surcharges are added to the base rate, not substituted for it.
| Rate | |
|---|---|
| Online payment | 2.9% + $0.30 |
| In-person payment | 2.7% + $0.05 |
| International card | +1.5% |
| Currency conversion required | +1% |
| Card number keyed in by hand | +0.5% |
Source: Stripe — Pricing
How the surcharges compound
Starting from the 2.9% online rate.
| Situation | Effective percentage | Fee on $100 |
|---|---|---|
| Domestic card | 2.9% | $3.20 |
| International card, charged in USD | 4.4% | $4.70 |
| International card, converted | 5.4% | $5.70 |
| Domestic, keyed in by hand | 3.4% | $3.70 |
How to Read Your Result
Price against your actual mix, not the headline
If a meaningful share of your customers are overseas, your blended rate is not 2.9%. A business with a third of its sales international and converted is paying about 3.7% on average, which on thin margins is the difference between viable and not.
In-person has a much smaller fixed fee
2.7% + 5 cents against 2.9% + 30 cents means card-present is dramatically cheaper on small transactions — a $5 sale costs 19 cents in person and 45 cents online. For low-value goods that gap matters more than the percentage.
Quote gross when you have a target
Freelancers and anyone invoicing a fixed fee should use the reverse calculation. Adding the fee to your number always leaves you a little short, and the shortfall grows with the invoice.
Limitations & Accuracy Notes
- US rates only, and Stripe’s pricing page geo-redirects — checking it from elsewhere shows different figures.
- Disputes, refunds, payouts, Stripe Billing, Radar, Connect and Tax are all priced separately and none are included here.
- Rates as read on 8 September 2026. Stripe changes them, and negotiated pricing exists at volume.
- Alternative payment methods — ACH, wallets, buy-now-pay-later — have their own rates that this does not model.
- Nothing here is tax or accounting advice.
Frequently Asked Questions
What is Stripe’s standard pricing fee structure?
Does Stripe charge extra for international payments?
What does Stripe actually charge?
Why do small transactions cost proportionally so much?
Do fees stack?
Who pays the fee on a refund?
Can I pass the fee on to the customer?
Is my revenue data stored?
References & Further Reading
- Stripe — Pricing — Source of every rate here, including the +1.5% international and +1% conversion surcharges