Stripe Fee Calculator
Calculate Stripe processing fees for different payment types, understand fee structures, and determine the amount to charge to receive your desired net.
Transaction Details
Enter charge amount to see fees deducted
Additional Fees
Fee Breakdown
You Will Receive
Understanding Stripe Fees
How Stripe Pricing Works
Stripe uses a simple, transparent pricing model with no monthly fees or setup costs. You only pay when you process a payment.
Standard US Rate
- • 2.9% of transaction amount
- • Plus $0.30 per transaction
- • No monthly fees
- • No setup fees
Additional Fees
Some transactions incur additional fees based on card type, payment method, or Stripe products used.
- • International cards: +1%
- • Currency conversion: +1%
- • Stripe Invoicing: +0.4%
- • Stripe Billing: +0.5%
- • Instant payouts: 1%
Stripe Fee Rates
Online Payments
2.9% + $0.30
US cards online
In-Person
2.7% + $0.05
Terminal & Tap to Pay
ACH Direct
0.8%
Capped at $5
Fee Impact by Transaction Size
$25
$1.03
4.10% effective
$50
$1.75
3.50% effective
$100
$3.20
3.20% effective
$500
$14.80
2.96% effective
The fixed $0.30 fee has less impact on larger transactions.
Stripe vs Other Processors
Stripe
2.9% + $0.30
- • Developer-first
- • Excellent API
- • Global support
PayPal
3.49% + $0.49
- • Brand recognition
- • Buyer protection
- • Higher fees
Square
2.9% + $0.30
- • Great for retail
- • Free POS hardware
- • Simple setup
Braintree
2.59% + $0.49
- • PayPal integration
- • Lower percentage
- • Higher fixed fee
Tips for Reducing Stripe Fees
Optimize Payment Methods
- • Use ACH for large transactions (0.8% vs 2.9%)
- • Encourage bank payments for subscriptions
- • Use in-person rates when possible (2.7%)
- • Consider Link for returning customers
Business Strategies
- • Batch small payments when possible
- • Pass fees to customers (if appropriate)
- • Negotiate volume discounts
- • Consider annual vs monthly billing
Worked Examples: Fees, Net Payout, and Gross-Up
Forward calculation: what do I keep from a $100 charge?
For a standard US online card payment, the fee is 2.9% + $0.30: $100 × 0.029 + $0.30 = $3.20, leaving a net payout of $96.80. If the customer pays with an international card, add 1% ($1.00), and if the charge is in a foreign currency, another 1% conversion fee applies on top.
Reverse calculation: what should I charge to net $100?
You cannot simply add $3.20 to $100, because the percentage fee applies to the new, larger total. The gross-up formula is:
charge = (desired net + $0.30) ÷ (1 − 0.029)
To receive exactly $100, charge (100 + 0.30) ÷ 0.971 ≈ $103.30. Stripe then takes $103.30 × 0.029 + $0.30 ≈ $3.30, and you keep $100.00. The calculator's "amount to receive" mode applies this formula for whichever payment type and add-ons you select. Note that if you pass fees on to customers as a visible surcharge, card-network rules and some US state laws restrict how you may do it — building the fee into your price is the safer route.
When ACH beats cards
For large invoices, ACH direct debit at 0.8% capped at $5 is dramatically cheaper than cards. A $5,000 invoice costs $145.30 in standard card fees but only $5.00 by ACH — a 96% saving. The break-even point where the ACH cap kicks in is $625; above that, every ACH payment costs a flat $5.
Fees shown reflect Stripe's published standard US pricing. Stripe occasionally revises rates and offers custom pricing for high-volume businesses, so confirm current rates on stripe.com/pricing for anything mission-critical.
Frequently Asked Questions
How much does Stripe take from a $100 payment?+
For a standard US online card payment, Stripe charges 2.9% + $0.30, which is $3.20 on $100, leaving you $96.80. International cards add 1% and currency conversion adds another 1%, so the same $100 from an overseas customer in a foreign currency could cost $5.20 in fees.
How do I calculate what to charge so I receive an exact amount after Stripe fees?+
Use the gross-up formula: charge = (desired net + $0.30) ÷ (1 − 0.029). To net exactly $100 you must charge about $103.30, not $103.20, because the percentage fee applies to the grossed-up total. This calculator has a dedicated 'amount to receive' mode that handles this automatically for each payment type.
Are Stripe fees cheaper for ACH bank payments than credit cards?+
Yes, significantly. ACH direct debit costs 0.8% capped at $5 per transaction, versus 2.9% + $0.30 for cards. On a $5,000 invoice that is $5 instead of $145.30. For invoices and B2B payments above a few hundred dollars, encouraging bank payment is the single biggest fee reduction available.
Does this calculator handle bulk transactions and different payment types?+
Yes. The Bulk Calculator tab lets you enter multiple transactions and totals the fees and net payouts across all of them, and the single-transaction mode supports online, in-person (2.7% + $0.05), and ACH rates plus add-ons like international cards, invoicing, and subscription billing.
Is this Stripe fee calculator free, and is it affiliated with Stripe?+
It is free, requires no account, and runs entirely in your browser — no transaction data leaves your device. It is an independent tool, not affiliated with Stripe, and it uses Stripe's published standard US pricing, so always verify current rates on Stripe's official pricing page.
Related Tools
PayPal Fee Calculator
Calculate PayPal transaction fees, understand fee structures, and determine amounts to request
eBay Fee Calculator
Calculate eBay selling fees, final value fees by category, and determine your true profit margins
Etsy Fee Calculator
Calculate Etsy selling fees, transaction and processing costs, and determine your profit margins
Amazon FBA Calculator
Calculate Amazon FBA fees, referral and fulfillment costs, and determine your profit margins
Margin Calculator
Calculate profit margins, set prices from target margins, and analyze comprehensive margin breakdowns
Break-Even Calculator
Calculate break-even point in units and revenue, analyze profitability scenarios, and determine margin of safety