ToolNestFree Stripe Fee Calculator
Last updated: October 25, 2026
Quick answer: Stripe's headline rate is simple — 2.9% + $0.30 on a US online card payment — but the number that lands in your bank account rarely is: international cards add 1.5%, currency conversion adds 1%, in-person and ACH rates are entirely different, and a $15 dispute fee lurks off the invoice. This free Stripe fee calculator prices the whole stack: pick your payment method, tick the international and currency-conversion boxes if they apply, and it shows the fee breakdown, net payout, and effective rate on one charge — plus the monthly fee total at your volume and the reverse charge: the exact amount to bill so you net precisely the figure you want. Everything runs in your browser; your prices never leave your device.
🔒 100% Private: Data never leaves your device.
US standard rates for 2026: online card 2.9% + $0.30, in-person (Stripe Terminal) 2.7% + $0.05, ACH Direct Debit 0.8% capped at $5.00, manually entered card 3.4% + $0.30; international cards add 1.5% and currency conversion adds 1% on card payments. Disputes cost $15 each and Stripe Billing adds 0.7% of recurring volume — neither is modeled here, so treat them as separate line items. Stripe changes rates from time to time and offers custom volume pricing; verify against stripe.com/pricing before repricing a whole catalog.
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How to Use the Stripe Fee Calculator
- Enter the charge amount — what the customer actually pays — and pick the payment method. Online card is the default; Terminal, ACH, and keyed-card rates are entirely different numbers, so picking the right one matters more than getting the amount exactly right.
- Tick international card if the card was issued outside the US (+1.5%) and currency conversion if the customer pays in another currency (+1%). Both stack on card payments; neither applies to ACH.
- Enter your transactions per month to see the monthly line: total volume, total Stripe fees, and total net payout at your real volume, not just on one charge.
- Use the target net payout box for the reverse question: type the amount you want to keep, and the calculator solves the charge that nets exactly that figure, rounded up to the cent — the naive 'just add 2.9%' answer leaves you short, because the fee is charged on the amount you added too.
- Press Calculate Stripe fees. Read the fee breakdown first (percentage vs fixed vs surcharges), then the net, then the reverse line — that reverse figure is the number to put on the invoice.
Why Use Our Stripe Fee Calculator?
- All four US payment methods — online card, in-person Terminal, ACH Direct Debit with its $5 cap, and manual/keyed cards, each with its real rate instead of a single-rate shortcut.
- Surcharge stacking done right — international (+1.5%) and currency-conversion (+1%) add to the percentage rate before the fixed fee, so a $100 international charge with conversion prices at 5.4% + $0.30 = $5.70, not at some blended guess.
- Reverse solver, cent-checked — to net $100 on an online card, charge $103.30 (not $102.90): (100 + 0.30) ÷ (1 − 0.029) = $103.30, and the fee on $103.30 is exactly $3.30.
- Monthly volume math — 200 orders at $50 is $10,000 of volume and $350 in online-card fees; the monthly line turns a per-order fee into a P&L line.
- ACH cap honored — 0.8% of $1,000 is $8.00, but ACH caps at $5.00, so the tool charges $5.00 and nets $995.00; uncapped calculators overstate ACH fees on every large payment.
- 100% in your browser — your prices and volumes never leave your device; no signup, no account.
Common Use Cases
- Pricing a $2,500 client project: You want $2,500 to land after fees on an online card invoice. The reverse solver says charge $2,574.98: (2,500 + 0.30) ÷ 0.971 = $2,574.97, rounded up to the cent, and the fee on $2,574.98 is $74.97, leaving $2,500.01. The naive 'just add 2.9%' invoice of $2,572.80 carries a $74.91 fee and nets only $2,497.89 — $2.11 short. One invoice, one correction, and the habit pays for itself.
- Choosing ACH for a $4,000 B2B invoice: A $4,000 card payment costs $116.30 in online fees; the same invoice via ACH costs the $5.00 cap — a $111.30 saving on one invoice. If your customers will pay by bank debit and your cash flow tolerates ACH's slower settlement, the calculator's method comparison is the whole business case in one line.
- Monthly P&L check for a growing store: At 200 orders a month averaging $50, online-card fees run $350/month on $10,000 of volume. Run the calculator on the first of the month with last month's real average and count, and the Stripe line of your P&L stops being a surprise — and the month the average order value drops, the fixed $0.30 per order shows up immediately as a rising effective rate.
- Quoting an international-heavy SaaS price: A third of your customers pay with non-US cards and a quarter of those need currency conversion. Blended, your effective rate is not 2.9% but roughly 3.5% (two-thirds domestic at 2.9%, a quarter of the international third at 4.4%, the rest at 5.4%) — run the domestic, international, and international-plus-conversion cases side by side, then set the price from the blended figure instead of discovering the gap in the payout report.
- Pricing a $19 ebook with a real refund rate: A $19 ebook sold by online card costs $0.85 in fees (19 × 2.9% + $0.30) and nets $18.15. At a 5% refund rate, one refund in twenty costs you the $19 sale plus the $0.85 fee Stripe keeps — so the expected net per sale is not $18.15 but $18.15 minus 5% of $19.85, or about $17.16. Run the refund math before you call $19 your price; the fee-kept-on-refund rule is what turns a thin-margin digital product unprofitable.
- Terminal vs online for a $200 in-store sale: The same $200 sale costs $5.45 through Stripe Terminal (2.7% + $0.05) and $6.10 online (2.9% + $0.30) — a $0.65 saving per transaction for taking the card in person. At 500 in-store sales a month that is $325 a month, which is the whole business case for a Terminal reader in one line. If you take both channels, run the method comparison instead of quoting one blended rate.
- Nonprofit pricing: the 2.2% rate most calculators miss: Eligible US nonprofits can apply for Stripe's discounted rate of 2.2% + $0.30 instead of 2.9% + $0.30. On a $100 donation that is $2.50 instead of $3.20 — a $0.70 saving per $100, or $700 per $100,000 of donations. If you run a registered nonprofit and still pay the standard rate, the application is worth more than any calculator tweak; until it is approved, this page's standard rates are the right planning numbers.
Stripe Fee Calculator vs Alternatives
- Stripe's own pricing page: The authoritative rate table — every method, every surcharge, every footnote. What it cannot do is turn those rates into your net on a specific invoice, your monthly total at your volume, or the reverse charge that nets a target. Use it to verify rates, use this page to price from them.
- Single-rate Stripe calculators: Most Stripe calculators model one number — 2.9% + $0.30 — and ignore Terminal, ACH, keyed cards, and both surcharges. Fine for a quick 'what does Stripe take from $100' answer; wrong the moment your payments mix methods, which every real business's do.
- PayPal / Square fee calculators: Accurate for their own processors and useful for the comparison question — Stripe vs PayPal on $100 is $3.20 vs $3.98 — but they cannot price a Stripe invoice. If you take both, run both calculators and compare at your actual average order value, not at $100.
- Your own spreadsheet: The most flexible option — refunds, partial captures, dispute reserves, multi-currency price lists, all yours. The cost is building it and keeping Stripe's rates current when they change. Use this calculator for the fast answer at pricing time; keep the spreadsheet for the monthly close if you already have one.
- Square's fee calculator: Square's headline in-person rate is 2.6% + $0.15 against Stripe Terminal's 2.7% + $0.05 — and on a $100 sale they tie exactly: $2.75 either way. The tie breaks on ticket size: on a $20 sale Stripe Terminal costs $0.59 against Square's $0.67, while on a $500 sale Square costs $13.15 against Stripe's $13.55. If your average sale is under $100, Terminal wins; above $100, Square's lower percentage wins. Run both at your actual average ticket, not at $100.
- Interchange-plus merchant accounts: At high volume (roughly $100,000 a month and up), an interchange-plus account — interchange cost plus a fixed markup — can undercut Stripe's flat 2.9%, because your blended interchange on debit-heavy volume may be well under 2%. The trade-off is a monthly fee, a contract, and statements you have to read: flat-rate Stripe wins on simplicity and on low or variable volume, and custom Stripe pricing (negotiated at volume) is the middle path. This calculator's published standard rates are the right baseline until a processor quotes you a real interchange-plus schedule.
Stripe's pricing page tells you the rates; single-rate calculators give you the domestic answer to a mixed-method question. For the number that decides an invoice — total fee, net payout, and the reverse charge that nets your target, across every method Stripe actually bills — this page gives you all three in one calculation, free and private.
Frequently Asked Questions
How much does Stripe charge per transaction?
On a US online card payment, 2.9% + $0.30: a $100 charge costs $3.20 and nets $96.80. In-person via Stripe Terminal is cheaper at 2.7% + $0.05 ($2.75 on $100), a manually keyed card costs more at 3.4% + $0.30 ($3.70 on $100), and ACH Direct Debit costs 0.8% capped at $5.00 ($4.00 on a $500 payment, $5.00 on a $1,000 payment). There are no monthly or setup fees on standard pricing.
How much does Stripe charge for international cards?
An extra 1.5% on top of the base rate: a $100 online charge from a non-US card costs 4.4% + $0.30 = $4.70, netting $95.30. If currency conversion is also involved, add another 1% — 5.4% + $0.30 = $5.70 on $100, netting $94.30. Tick both boxes in the calculator to see the stacked figure; most single-rate calculators silently quote you the domestic number.
How do I charge enough to receive exactly $100 after Stripe fees?
Divide, don't add: charge = (target + fixed fee) ÷ (1 − percentage rate). For $100 on an online card: (100 + 0.30) ÷ (1 − 0.029) = $103.30, and Stripe's fee on $103.30 is $3.30, leaving exactly $100.00. Adding 2.9% instead gives $102.90, whose fee is $3.28, leaving you $99.62 — short. The calculator's reverse solver does this division and rounds up to the cent for any method and target.
Is Stripe cheaper than PayPal?
On a $100 US online payment, Stripe costs $3.20 (2.9% + $0.30) while PayPal's standard rate is 3.49% + $0.49 = $3.98 — Stripe wins by $0.78 per $100, or $780 per $10,000 of volume. The gap narrows on small payments because both have fixed fees, and PayPal's micropayments rate can win under $10. Compare your actual average order value in our PayPal fee calculator before switching on rate alone — checkout conversion and buyer trust matter as much as $0.78.
What does Stripe charge for subscriptions?
Stripe Billing adds 0.7% of recurring volume on top of the payment fee, so a $50/month subscription billed by card costs the 2.9% + $0.30 payment fee plus $0.35 in Billing fees. This calculator models the payment fee; add the 0.7% separately when you price a subscription business, and remember failed payments and retries are where subscription fee math actually gets expensive.
What does Stripe charge for a dispute or chargeback?
$15 per dispute, separate from the original transaction fee — and the original fee is not returned when a payment is disputed. Disputes are not modeled in this calculator because they are episodic, not per-transaction: budget them as $15 per open dispute, and treat a rising dispute rate as a product problem (unclear descriptors, slow fulfillment) before it becomes a Stripe-account problem.
Does Stripe charge monthly or setup fees?
No — standard Stripe pricing has no monthly fee, no setup fee, and no minimum. That is the structural difference from a platform like Shopify, which charges a subscription on top of card fees (see our Shopify fee calculator for the combined picture): with Stripe alone, you pay only when money moves, which is why it suits variable-volume businesses and side projects.
Does Stripe charge extra for Apple Pay or Google Pay?
No — wallet payments ride the card rate. Apple Pay or Google Pay through Stripe's checkout or Payment Element prices as an online card payment: 2.9% + $0.30 on a US transaction, with the same international (+1.5%) and currency-conversion (+1%) surcharges if they apply. Wallets change how the customer authenticates, not what Stripe charges, so there is no separate wallet line to add to the calculator.
Does Stripe charge for failed or declined payments?
No. Only successful charges incur the processing fee — a declined card, an expired card, or a failed authentication costs nothing in Stripe fees. That matters for retry math: three failed attempts followed by one success costs one fee, not four. What failed payments do cost is conversion, which is why Stripe's Smart Retries and card-updater features exist — but they are billed separately from the per-transaction fee this calculator models.
How long does it take Stripe to pay me?
For a new US account, the first payout typically arrives 7–14 days after the first successful payment, then payouts roll on a 2-business-day schedule: Monday's charges land Wednesday. Instant Payouts (to an eligible debit card or bank account) cost 1% of the payout amount with a $0.50 minimum, and same-day availability depends on your bank. Payout speed is not a fee on the transaction, but it changes the cash-flow answer — a 2-day delay on $10,000 of weekly volume is $10,000 of float to plan around.
Can I pass the Stripe fee on to my customers as a surcharge?
It depends on where you and your customers are, and Stripe does not add a surcharge for you. In the US, card-network rules generally allow a surcharge up to the merchant's cost (often capped around 3–4%) but several states restrict or ban it, and debit cards and prepaid cards cannot be surcharged at all. The safer route most businesses take is building the fee into the price — the reverse solver on this page gives you the price that nets your target — rather than adding a separate surcharge line that varies by state and card type. Check your state's current rules before adding one.
Does Stripe return its fee when I refund a customer?
No — and this is the refund rule that surprises sellers most. When you refund a payment, Stripe returns the full charge amount to the customer, but the original processing fee stays with Stripe: refund a $100 online order and you lose the $3.20 fee on top of the $100 you gave back. Budget refunds as fee-plus-goods cost, not just the goods: at a 5% refund rate on $10,000 of monthly volume, the kept fees alone cost $16 a month on top of the refunded revenue.
Does Stripe charge for currency conversion on payouts?
Two conversions can apply, and they are different lines. The +1% currency-conversion surcharge in this calculator applies when the customer pays in a different currency than your settlement currency — that is the charge-side conversion. If you then pay out to a bank account in yet another currency, Stripe converts again at its exchange rate. Multi-currency sellers should therefore model both: the surcharge on the charge, and the payout conversion on the settlement, before concluding what a cross-border sale actually nets.