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.
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.
Related Calculators
Methodology & Review
The fee is the order amount multiplied by the processing rate; the total is the order plus the fee absorbed by the merchant — useful when grossing up to charge the customer for fees. Stripe's standard US rate is 2.9% plus a per-transaction flat fee; the flat fee is not modeled here. Use the effective rate that fits your card mix and country.
Written by Ugo Candido · Last updated May 17, 2026.