Stripe Fee Calculator
Estimate how much Stripe takes on a charge, what you keep, and how much to invoice if you need a specific net payout. Live updates as you type—no submit button.
Calculator
US Stripe online rate: 2.9% + $0.30 per successful card charge.
Results
Estimated Stripe fee
$3.20
Net payout
$96.80
Effective rate
3.20%
Fee as a share of the invoice amount
What this means
Effective rate is close to the posted percentage on this invoice size. Always confirm your actual processor schedule.
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Stripe Fee Summary
Stripe charges a percentage fee plus a fixed transaction fee. This calculator estimates total fees, net payout, and how much to invoice to receive your target amount using the common US rate of 2.9% + $0.30.
Explanation
Fee amount is what Stripe keeps on the charge (percentage of the invoice plus the fixed fee).
Net payout is what you receive after fees—invoice amount minus the estimated fee.
Effective rate is the fee divided by the invoice amount, so you can see the true percentage cost of that payment.
US baseline rates this calculator models:
- Online card (domestic US): 2.9% + $0.30 per successful charge
- International / cross-border / currency conversion: often higher; not included in the baseline estimate
- Custom or volume pricing: use your Stripe Dashboard rates instead
Business implication: if margins are thin, even a few percentage points of processing cost can erase profit. Price with fees in mind, or reverse-calculate the invoice so your net stays whole.
Step-by-step example
Suppose you invoice a client $100.00.
- Percentage fee: $100.00 × 2.9% = $2.90
- Fixed fee: $0.30
- Total fee: $2.90 + $0.30 = $3.20
- Net payout: $100.00 − $3.20 = $96.80
- Effective rate: $3.20 ÷ $100.00 = 3.20%
If you need to receive $100.00 after fees, invoice about $103.40 so the fee is covered.
Formula
Fee = (Transaction Amount × 0.029) + 0.30
Net = Transaction Amount − Fee
Invoice for target net = (Target Net + 0.30) ÷ (1 − 0.029)
Helpful tips
- If your margin is under ~15%, processing fees can meaningfully squeeze cash—build them into pricing.
- Smaller invoices feel fees more because the $0.30 fixed portion is a larger share of the total.
- Batching or raising minimum invoice amounts can improve effective rates when fixed fees add up.
- Compare the same amount on Square and PayPal, or use the Processor Comparison tool side by side.
- To raise the charge so you still keep your target net, try the Fee Pass-Through Calculator.
FAQ
How much does Stripe charge?
For many US online card payments, Stripe’s commonly published baseline is 2.9% + $0.30 per successful charge. Your account may differ with custom pricing, payment method, country, or add-ons—confirm in Stripe Pricing and your Dashboard.
What is a Stripe fee calculator used for?
A Stripe fee calculator estimates the processing fee on a charge, what you keep after fees (net payout), and how much to invoice if you need a specific net amount. It helps you price with fees in mind before you send the invoice.
Does Stripe refund fees?
When you refund a charge, Stripe typically returns the percentage fee but may keep the fixed per-transaction fee, depending on your pricing and region. Always confirm in your Stripe Dashboard and current Stripe docs.
Can I pass fees to customers?
Many businesses raise prices or add a convenience fee to offset processing costs. Card network and local rules can limit how surcharges work, so check regulations for your location before adding line-item fees.
Are international rates different?
Yes. Cross-border and currency-conversion fees often apply on top of the base rate. This calculator uses the common US domestic online rate of 2.9% + $0.30 as a baseline estimate.
How accurate is this calculator?
It models the standard US Stripe card rate of 2.9% + $0.30. Your actual fees can differ with custom pricing, payment method, country, and add-ons. Use Stripe’s own reports for exact accounting.
Related tools
Key terms
Processing fee
Definition. The amount a payment processor charges to accept a card or digital payment.
In simple terms. Most online processors charge a percentage of the payment plus a fixed per-transaction amount. The fee is how the processor gets paid for authorization, settlement, fraud tools, and payouts.
Fee ≈ (rate × transaction amount) + fixed fee
Example. On a $100 charge at 2.9% + $0.30, the fee is about $3.20 and you keep about $96.80 (before refunds or chargebacks).
Common mistake. Comparing only the percentage rate and ignoring the fixed fee—or assuming every payment method uses the same rate.
Related calculators. Stripe Fee Calculator, PayPal Fee Calculator, Square Fee Calculator, Processor Comparison Tool
Related terms. Net payout, Effective rate, Fee pass-through
Net payout
Definition. What you actually receive after processing fees are deducted from a payment.
In simple terms. Customers pay the invoice amount; the processor keeps its fee; the remainder is your net. Pricing and cash-flow decisions should use net, not the sticker invoice total.
Net payout = invoice amount − processing fee
Example. Invoice $250, fee $7.55 → net payout ≈ $242.45.
Common mistake. Planning expenses from the full invoice amount and discovering shortfalls after fees clear.
Related calculators. Stripe Fee Calculator, Fee Pass-Through Calculator
Related terms. Processing fee, Effective rate, Fee pass-through
Effective rate
Definition. Total processing cost as a percentage of the payment amount.
In simple terms. Because of fixed per-transaction fees, small payments often have a higher effective rate than large ones—even at the same posted rate.
Effective rate = processing fee ÷ payment amount
Example. A $3.20 fee on $100 is a 3.2% effective rate. The same structure on a $20 charge is a much higher effective rate.
Common mistake. Using the advertised percentage alone when comparing processors or pricing low-ticket items.
Related calculators. Stripe Fee Calculator, Processor Comparison Tool
Related terms. Processing fee, Net payout
Fee pass-through
Definition. Raising your price (or adding a fee) so the customer covers some or all of the processing cost.
In simple terms. If you need a target net after fees, you invoice a higher amount. Rules for surcharges and convenience fees vary by card network and location—check before adding line-item fees.
Invoice for target net ≈ (target net + fixed fee) ÷ (1 − rate)
Example. To keep about $100 after 2.9% + $0.30, you typically need to invoice a bit more than $100.
Common mistake. Adding a surcharge where it is restricted, or forgetting currency and cross-border fees.
Related calculators. Fee Pass-Through Calculator
Related terms. Processing fee, Net payout
Notes & Assumptions
Fee model based on commonly published US Stripe online card pricing (2.9% + $0.30). Confirm current rates in Stripe Pricing.
Last reviewed: July 2026