Stripe Fee Calculator
Calculate exact Stripe fees and net payouts for domestic and international card payments. Switch to gross-up mode to find the charge amount that lands you a specific net.
Effective rate breakdown
Stripe Fee
$3.20
3.20% effective rate
You Receive
$96.80
after Stripe fee
Full Breakdown
Gross charge
$100.00
Total fee
$3.20
Net payout
$96.80
Rates reflect Stripe's standard US pricing as of June 2026. Verify current rates on stripe.com. Custom pricing, Stripe Billing add-ons, and non-card payment methods have different rates.
How This Calculator Works
Enter your amount
Type the charge amount (or target net amount in gross-up mode). Toggle domestic vs. international card and whether Stripe converts currencies.
See the exact fee
The calculator applies Stripe's verified rate: 2.9% + $0.30 for domestic, +1.5% for international cards, +1.0% for currency conversion.
Know what you keep
The net payout is shown instantly. In gross-up mode, you see the exact amount to charge so you walk away with your target after fees.
Who This Calculator Is For
Anyone accepting online payments through Stripe should know exactly what they pay — before they price their products or send an invoice.
Freelancers & consultants
You invoice in round numbers ($500, $2,000) but want to know exactly what lands in your bank. Use gross-up mode to find the invoice amount that nets you the round figure you need.
E-commerce sellers
US sellers with international customers face 4.4% + $0.30 instead of the domestic 2.9% + $0.30 — a meaningful difference at volume. Know your blended rate before you set prices.
SaaS founders
Monthly subscriptions compound fee impact. A $29/month plan nets $27.86, not $28.71 — $10.20 less per user per year. Model this accurately before you publish your pricing page.
Marketplace operators
Platforms processing payments for sellers need to model the pass-through fee structures. This calculator gives you the baseline Stripe rate before any Connect fees.
What's Included
Domestic & international
Covers US cards (2.9%) and international cards (+1.5%) with one toggle.
Currency conversion
Add Stripe's 1.0% FX surcharge for cross-currency settlements.
Gross-up mode
Enter your desired net and get the exact charge amount — no spreadsheet needed.
Verified 2026 rates
Rates reflect Stripe's published US standard pricing, verified June 2026.
Why Know Your Stripe Fees
Price products correctly
A 2.9% fee on every sale adds up fast. A $50 product sold 1,000 times costs $1,550 in Stripe fees — before the fixed $300. Build the fee into your pricing model from day one.
Decide when to pass fees to customers
Some businesses add a processing surcharge. Gross-up mode calculates the exact amount to add so you keep your target margin without overcharging.
Compare payment methods
For large B2B invoices, Stripe ACH costs 0.8% (max $5) vs 2.9% + $0.30 for cards. On a $2,000 invoice that's $5 vs $58.30 — a $53.30 difference per transaction.
Frequently Asked Questions
How Stripe Fees Work: The Complete Breakdown
Stripe charges a percentage + fixed fee per successful charge. For US businesses on the standard plan, that is 2.9% + $0.30 for domestic card transactions. There are no monthly fees, no setup fees, and no minimum processing volume on the standard plan — you pay only when you collect money.
The fee is deducted automatically before the funds are deposited into your bank account. If you charge a customer $100.00, Stripe deducts $3.20 (2.9% × $100 + $0.30) and deposits $96.80. The customer's card is charged the full $100.
| Transaction Type | Rate | Fixed Fee | $100 Example |
|---|---|---|---|
| Domestic card | 2.90% | $0.30 | Fee: $3.20 → Net: $96.80 |
| International card | 4.40% | $0.30 | Fee: $4.70 → Net: $95.30 |
| Intl + FX conversion | 5.40% | $0.30 | Fee: $5.70 → Net: $94.30 |
| ACH Direct Debit | 0.80% | — | Fee: $0.80 → Net: $99.20 (max $5) |
Rates are the same regardless of card network (Visa, Mastercard, Amex, Discover) or whether the customer uses a debit or credit card. Stripe's standard pricing does not differentiate by card type.
Domestic vs. International vs. Currency Conversion
Three layers of fees can apply to a single Stripe transaction, and they are independent of each other:
- Base fee (always applies): 2.9% + $0.30 on every successful charge to a US-issued card, settled in USD to a US Stripe account.
- International card surcharge (+1.5%):Applies when the card was issued outside the United States. This is determined by the card's BIN (Bank Identification Number), not the customer's location. A US tourist using a US card abroad does not trigger this fee; a non-US customer using a foreign card does.
- Currency conversion fee (+1.0%):Applies when Stripe converts the charge currency to your account's settlement currency. For example, a Canadian customer pays in CAD but your Stripe account settles in USD — Stripe applies the conversion rate plus the 1.0% fee. If your account is multi-currency and you hold the funds in CAD, this fee does not apply.
In the worst case — an international customer paying in their local currency with a foreign card, to a USD-settled US account — the total fee is 5.4% + $0.30. On a $500 invoice, that is $27.30 in fees vs. $14.80 for a domestic card. The difference compounds significantly at volume.
When ACH Direct Debit Beats Card Payments
Stripe's ACH Direct Debit costs 0.8% with a $5.00 cap, making it dramatically cheaper than card processing for high-value transactions. The breakeven point is around $172: below that, card processing ($3.20 on a $100 charge at 2.9% + $0.30) may cost less than ACH ($0.80 on $100). Above $172, ACH almost always wins.
| Invoice Amount | Card Fee (2.9% + $0.30) | ACH Fee (0.8%, max $5) | Savings with ACH |
|---|---|---|---|
| $100 | $3.20 | $0.80 | $2.40 |
| $500 | $14.80 | $4.00 | $10.80 |
| $625+ | $18.43+ | $5.00 (cap) | $13.43+ |
| $2,000 | $58.30 | $5.00 | $53.30 |
ACH has trade-offs: 4-business-day settlement vs. 2 days for cards; no chargeback protection (but lower dispute risk); and the customer must provide bank account details, which adds friction. Best suited for B2B invoices, SaaS annual contracts, and any recurring large payment where the customer relationship is established.
Also worth knowing: Stripe has no monthly fee, no setup fee, and no volume commitment on its standard plan. Businesses processing high volumes can negotiate custom pricing — typically starting at $250,000+ per year in volume.
Related Calculators
Official References
- Stripe Pricing — stripe.com/pricing
Official Stripe pricing page. Always verify current rates here — Stripe can update rates with advance notice.
- Stripe Docs: ACH Direct Debit
Official documentation on ACH pricing (0.8%, $5 cap), settlement timing, and integration.
- Stripe Docs: Supported Currencies & Currency Conversion
Details on the 1.0% currency conversion fee and which settlement currencies Stripe supports.
This calculator provides estimates based on Stripe's published standard US pricing (verified June 2026). Custom pricing, Stripe Billing, Connect, Terminal, and other Stripe products have different rates. Verify current rates at stripe.com before making pricing decisions.