Stripe fee
$0.00
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Stripe Fee Calculator
See exactly what Stripe keeps on a card payment and what lands in your account — or work backwards from the net you need.
International cards add +1%. SEPA direct debit in EU is much cheaper.
$0.00
estimated net you receive
Effective rate
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To receive
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"To receive" is what you'd need to charge so the net after fees equals your entered amount. Defaults are the common US card rate — international cards and some business features cost more.
How Stripe pricing works
Standard card payments cost a percentage plus a flat amount (commonly 2.9% + $0.30 in the US). The bigger the charge, the closer the effective rate gets to the headline percentage — which is why a fixed fee matters most on small-ticket sales.
How Stripe fees work
Stripe's standard rate is 2.9% + 30¢ per successful card charge. This applies to most US and European businesses using Stripe Checkout or custom payment forms. The flat 30¢ component dominates small transactions — a $1 coffee charge loses about 17% to Stripe.
Stripe offers discounted rates for volume merchants (2.7% + 20¢ for 6-figure+ revenue), non-profits (2.2% + 30¢), and ACH bank transfers (0.8% with a $5 cap). Businesses processing mostly small payments should consider ACH or PayPal Here to reduce per-transaction overhead.
International cards incur an additional 1% fee, and currency conversion adds another 1%. Refunds and disputes still incur the original processing fee — Stripe only waives fees on reversed charges.
Frequently asked questions
What is the Stripe fee for card payments?
In the US it's usually 2.9% + $0.30 per successful card charge. Fees differ for international cards, invoicing, recurring or other products.
How do I avoid a flat fee hit on small sales?
Because of the $0.30 fixed part, the effective rate is highest on small amounts. Pricing bundles or minimums can smooth that out, or use the "To receive" line to protect your target net.
Last updated — rates and figures change over time, so always confirm with the current source.
Figures are estimates for general information, not financial advice — see our disclaimer.
How to verify this calculator
- Last verified
- — the calculation logic and the automated regression suite were re-run on this date. Fee and rate fields are editable estimates; confirm current values against the official schedule before relying on them.
- Official / methodology source
- Stripe pricing — official — confirmed reachable on 2026-11-08.
- Method & testing
- All arithmetic runs locally in your browser — no input is uploaded. Calculation behaviour is exercised by the repository's regression suite: 39/39 checks passed (run 2026-11-08). Source & tests on GitHub.
- Maintained by
- Jim (Maoming, Guangdong, China) · eyetoolkit. Report a wrong result through the contact page.
- Changelog
- 2026-11-08 — Added this verification panel (last verified date, official or methodology source, test coverage, named maintainer, changelog). Calculator logic and default rates are unchanged.