About Stripe Fee Calculator
Stripe is one of the most popular payment processors for businesses, developers, and online sellers. Understanding Stripe's fee structure is crucial for pricing your products and services profitably.
This calculator helps you determine exactly how much Stripe charges per transaction and how much revenue you'll keep after fees. Perfect for e-commerce stores, SaaS businesses, freelancers, and developers integrating Stripe payments.
Stripe Fee Structure (2026)
Standard Processing Fees
- Domestic cards: 2.9% + $0.30 per transaction
- International cards: 3.9% + $0.30 per transaction
- Currency conversion: Additional 1% fee
Example Calculations
$100 transaction (domestic card):
- Fee: ($100 × 2.9%) + $0.30 = $2.90 + $0.30 = $3.20
- You receive: $100 - $3.20 = $96.80
- Effective rate: 3.2%
$10 transaction (domestic card):
- Fee: ($10 × 2.9%) + $0.30 = $0.29 + $0.30 = $0.59
- You receive: $10 - $0.59 = $9.41
- Effective rate: 5.9%
Why the Flat Fee Matters
Notice how the effective fee rate is higher for smaller transactions. The $0.30 flat fee has a bigger impact on small payments:
- $5 transaction → 8.9% effective rate
- $25 transaction → 4.1% effective rate
- $100 transaction → 3.2% effective rate
- $1,000 transaction → 3.0% effective rate
How to Price Products to Account for Stripe Fees
Method 1: Reverse Calculator
If you want to net $100 after fees:
- Formula: (Desired Amount + $0.30) ÷ (1 - 0.029)
- Calculation: ($100 + $0.30) ÷ 0.971 = $103.30
- Charge $103.30 to receive $100 after fees
Method 2: Add Fees to Price
Simply add 3-4% to your base price to cover Stripe fees:
- $100 product + 3.5% = $103.50
- After Stripe fee: ~$100.27 net
Method 3: Pass Fees to Customers
Some businesses add a "payment processing fee" at checkout (check Stripe's Terms of Service for your region).
Frequently Asked Questions
What is Stripe's standard fee?
Stripe charges 2.9% + $0.30 per successful card charge for US businesses using domestic cards. International cards cost 3.9% + $0.30, and currency conversion adds another 1%.
Does Stripe charge monthly fees?
No, Stripe has no setup fees, monthly fees, or hidden charges. You only pay per transaction (2.9% + $0.30). There are no fees if you don't process payments.
What about refunds?
When you refund a payment, Stripe refunds the transaction fee percentage (2.9%) but keeps the $0.30 flat fee. You cannot recover this fixed fee component.
Are there lower rates for high volume?
Yes, high-volume businesses can apply for custom pricing with potentially lower rates. Contact Stripe sales if you process over $1 million annually.
Can I pass Stripe fees to customers?
This depends on your jurisdiction and Stripe's Terms of Service. In many regions, you can add a "convenience fee" or "payment processing fee" at checkout, but rules vary by location and card network.
How do international fees work?
Cards issued outside the US cost 3.9% + $0.30 (an extra 1%). If currency conversion is involved (customer pays in EUR, you receive USD), add another 1% fee.
What payment methods does Stripe support?
Stripe supports credit/debit cards, Apple Pay, Google Pay, ACH transfers, SEPA, iDEAL, Alipay, WeChat Pay, and many other local payment methods worldwide.
When does Stripe pay out?
Standard payout schedule is 2 business days after a successful charge. Some accounts may have a 7-day or 14-day rolling payout period initially.