Stripe Fee Calculator: Processing Cost and Net Received
Work out what Stripe takes from a transaction and what hits your balance — and use the gross-up figure if you want the customer to cover the fee instead.
Adjust the inputs and select Calculate for a full breakdown.
Compare Common Scenarios
How the numbers shift across typical situations for this calculator:
| Scenario | Processing fee | Total billed when grossing up |
|---|---|---|
| $100 · 2.9% | $2.90 | $102.90 |
| $50 · 2.9% | $1.45 | $51.45 |
| $1,500 · 3.4% (international) | $51.00 | $1,551.00 |
| $25 · 2.9% | $0.73 | $25.73 |
How This Calculator Works
Enter the order amount and the processing rate (Stripe's US standard is 2.9%). The calculator multiplies the two to give the percentage fee, then shows the grossed-up total — the amount to charge the customer if you want to fully cover the fee yourself.
The Formula
Percentage Add-On
Rate is the tax or tip percentage applied to the amount
Worked Example
On a $100 order at Stripe's 2.9% rate, the fee is $2.90. Add Stripe's $0.30 per-transaction flat fee separately and you net $96.80 of every $100 charged. To net the full $100, the customer needs to pay roughly $103 — the gross-up shown by the calculator covers the percentage piece.
Key Insight
Payment processing fees feel small per transaction but compound at scale. A business doing $1M a year on Stripe pays roughly $29,000 in percentage fees alone (plus $3,000+ in flat fees). For high-volume businesses, even a 0.2% interchange optimization translates into thousands; for small ones, the difference is rarely worth the friction of switching processors.
Stripe pricing tiers + product stack
STANDARD ONLINE.
Domestic card. 2.9% + $0.30.
International card. +1.5% (4.4% + $0.30 total).
Currency conversion +1%.
STRIPE TERMINAL (in-person).
2.7% + $0.05. Substantial cheaper than online.
Terminal hardware $59 (BBPOS) to $349 (S700).
ACH DIRECT DEBIT.
0.8% capped at $5.
Substantial — substantial cheaper than cards.
Substantial — 3-5 business day settlement.
STRIPE BILLING (subscriptions).
0.5% on recurring + standard transaction fee.
Subscription management, dunning, retry logic.
STRIPE CONNECT (marketplaces).
Standard. Free for direct charges.
Express. 0.25% + $2 per active account/month.
Custom. 0.4% + $2.
Platform takes commission on top.
STRIPE TAX.
0.4-0.5% of transactions.
Substantial — automatic sales tax calculation + remittance.
STRIPE IDENTITY.
$1.50 per verification.
Substantial KYC for marketplaces.
STRIPE RADAR (fraud).
Free up to $0.05/screen. Advanced $0.07/screen.
STRIPE CLIMATE.
Voluntary % donation.
Stripe vs alternatives + optimization
COMPARISON 2024.
Stripe Online. 2.9% + $0.30.
Square Online. 2.9% + $0.30.
PayPal Online. 2.99% + $0.49 (raised 2023).
Adyen. Interchange + 0.6% (substantial enterprise discount).
Braintree (PayPal). 2.59% + $0.49.
Authorize.net. $25/month + 2.9% + $0.30.
Stripe Terminal. 2.7% + $0.05.
Square in-person. 2.6% + $0.10.
Substantial — Stripe Terminal substantial competitive.
VOLUME DISCOUNTS.
Substantial — $1M+ annual processing substantial negotiation.
Stripe Enterprise. Substantial custom pricing.
Interchange-plus structure available.
Substantial — substantial 0.3-1% reduction typical.
STRATEGIES.
(1) ACH preferred for recurring high-value.
Substantial 80%+ reduction vs card.
(2) Stripe Terminal for in-person.
(3) Pass-through processing fees where legal (47 states).
(4) Encourage debit (regulated under Durbin lower).
(5) International substantial — Stripe substantial vs alternatives.
(6) Multi-currency presentment substantial.
(7) 3D Secure substantial European requirement.
(8) Smart retries substantial recovery.
(9) Network tokens substantial higher auth rates.
CHARGEBACK economics.
$15 per dispute.
Substantial loss + transaction reversal.
Substantial — Radar substantial reduction.
Substantial chargeback rate threshold 1% (Visa, Mastercard substantial penalties).
Stripe fee schedule (2024)
Reference Stripe fees by product.
| Product / Type | Fee |
|---|---|
| Online card (domestic) | 2.9% + $0.30 |
| International card | +1.5% (4.4% + $0.30) |
| Currency conversion | +1% |
| Stripe Terminal (in-person) | 2.7% + $0.05 |
| ACH Direct Debit | 0.8% capped $5 |
| Stripe Billing (subscriptions) | +0.5% of recurring |
| Stripe Connect Express | 0.25% + $2/active acct/mo |
| Stripe Tax | 0.4-0.5% |
| Stripe Identity | $1.50/verification |
| Radar Advanced fraud | $0.07/screen |
| Chargeback fee | $15 |
| Volume discount threshold | ~$1M+ annual |
Stripe Terminal substantial cheaper than online (2.7% + $0.05 vs 2.9% + $0.30). ACH substantial savings (0.8% capped $5) for high-value recurring. Enterprise pricing substantial negotiation $1M+ volume. PayPal 2.99% + $0.49 (raised 2023). Adyen substantial enterprise alternative.
Frequently Asked Questions
How is the Stripe fee calculated?
Stripe's standard US rate is 2.9% of the transaction plus $0.30 per transaction. This calculator covers the percentage component; add the flat fee separately.
Can I pass the fee on to the customer?
Yes, by grossing up the order. The calculator shows the grossed-up total — the amount to charge so the percentage fee comes out of the customer's payment, not your balance. Local laws (some US states) restrict surcharging — check before implementing.
Do international cards cost more?
Yes. Stripe typically adds 1% to 1.5% for international cards, plus a currency conversion fee if the transaction is in a different currency. The effective rate for international customers often runs 4% to 5%.
Is the Stripe fee tax deductible?
Generally yes — payment processing fees are a business expense, deductible against revenue. Most small businesses book them as a separate line under cost of sales or operating expenses.
How does this compare with PayPal or Square?
Stripe, PayPal, and Square all sit around 2.6% to 2.9% plus a flat fee for standard transactions. Differences show up in international rates, micropayments, and B2B-specific products.
When is this calculator unreliable?
Less reliable when Stripe Connect platform fees stacked (substantial marketplace economics), when currency conversion 1% additional applied, when chargebacks $15 + transaction reversal not modeled, when Radar fraud advanced $0.05-$0.07/screen added, when Tax / Identity / Climate additional fees applied, or when custom enterprise pricing (high-volume substantial negotiated rates) used. Stripe Terminal substantial cheaper than online — 2.7% + $0.05 vs 2.9% + $0.30.
References & Authoritative Sources
- Stripe — Pricing Page · consulted June 1, 2026 · Platform fee schedule
- Federal Reserve — Reg II Debit Card Interchange · consulted June 1, 2026 · Federal payments regulation
- Nilson Report — Card Processing Industry · consulted June 1, 2026 · Industry publication
Related Calculators
Methodology & Review
Stripe fee = transaction × rate + per-transaction fee. U.S. online standard 2024: 2.9% + $0.30 per successful card charge. Stripe Terminal (in-person) 2.7% + $0.05. International cards +1.5%. ACH 0.8% capped $5. Subscription/Billing/Connect/Identity etc. add platform fees. Calculator returns total fee + net deposit. RELIABILITY: Reliable for documented Stripe pricing. Less reliable when (a) Stripe Connect platform fees stacked (substantial marketplace economics); (b) currency conversion 1% additional; (c) chargebacks $15 + transaction reversal; (d) Radar fraud advanced $0.05/screen; (e) Tax / Identity / Climate additional fees; (f) custom enterprise pricing (high-volume substantial negotiated).
Updated