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
Percentage Fee$2.90
Fixed Fee$0.30
Total Stripe Fee$3.20
Effective Rate3.20%
You Will Receive
Charge Amount$100.00
Stripe Fees-$3.20
Net Amount$96.80
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