Stripe Fee Calculator: Processing Cost and Net Received
Work out exactly what Stripe takes from a charge — the percentage plus the flat $0.30 — what lands in your balance, and the amount to charge if you want to fully net a target after the fee.
Adjust the inputs and select Calculate for a full breakdown.
Compare Common Scenarios
How the numbers shift across typical situations for this calculator:
| Scenario | Stripe fee | You receive | Charge to fully net your target |
|---|---|---|---|
| $100 · 2.9% + $0.30 | $3.20 | $96.80 | $103.30 |
| $50 · 2.9% + $0.30 | $1.75 | $48.25 | $51.80 |
| $25 · 2.9% + $0.30 | $1.03 | $23.98 | $26.06 |
| $1,500 · 4.4% + $0.30 (international) | $66.30 | $1,433.70 | $1,569.35 |
How This Calculator Works
Enter the charge amount, Stripe's percentage rate (U.S. online standard 2.9%) and the fixed per-transaction fee ($0.30). The calculator computes the fee (amount × rate% + fixed), the net you receive (amount − fee), and the true gross-up — the amount to charge so you net your target after the fee.
The Formula
Payment processing fee (percentage + fixed)
Rate% is the percentage fee and Fixed is the flat per-transaction fee
Worked Example
On a $100 U.S. online charge at 2.9% + $0.30, the fee is $3.20 and you receive $96.80. To actually net $100 after the fee, charge about $103.30 — note that simply adding 2.9% ($102.90) does not fully cover the flat $0.30.
Key Insight
The flat $0.30 dominates on small charges: on a $5 sale it is a bigger share of the fee than the 2.9%, so the effective rate can exceed 8%. Batching small payments, using ACH (0.8% capped at $5) for high-value recurring charges, or Terminal (2.7% + $0.05) in person all cut the effective cost.
Stripe U.S. pricing — the per-charge fee and the product stack
Per-charge (Payments): 2.9% + $0.30 for U.S. online cards. Add-ons stack on the percentage: +1.5% international card (4.4% + $0.30), +1% currency conversion, +0.5% manually-entered card. In person, Stripe Terminal is cheaper at 2.7% + $0.05.
Bank debits are much cheaper than cards: ACH Direct Debit is 0.8% capped at $5, which is why it wins for high-value recurring charges (a $2,000 ACH payment costs $5 vs ~$58 on a card).
Product fees are separate from the per-charge fee: Stripe Billing 0.7% of Billing volume (pay-as-you-go); Connect $2 per monthly active account plus 0.25% + $0.25 per payout (platform-handled pricing); Tax 0.5% per transaction for the no-code integration; Identity $1.50 per verification; Radar is included on standard pricing, with Radar for Fraud Teams adding a per-screened-transaction fee; a card dispute costs $15 (refunded if you win).
Always price from Stripe's current product pages — these are U.S. standard figures and Stripe updates them (for example Billing moved from 0.5% to 0.7%).
Cutting the effective rate — and how competitors compare
The flat fee makes small charges expensive: at 2.9% + $0.30 a $5 charge pays $0.45 (9%), a $100 charge pays $3.20 (3.2%). Batching small payments and moving high-value recurring billing to ACH (0.8%, $5 cap) are the biggest levers; Terminal (2.7% + $0.05) helps in person.
Standard U.S. online card comparison (check the specific product/plan): Stripe 2.9% + $0.30; Square 2.9% + $0.30 on paid plans (3.3% + $0.30 free plan); PayPal 2.99% + $0.49 standard card, 3.49% + $0.49 for PayPal Checkout; Adyen is Interchange++ pricing at $0.13 + interchange + 0.60% (an enterprise model, not a flat rate).
Surcharging (passing the fee to the customer) is possible with the gross-up, but it is legally constrained: requirements vary by U.S. state and by card network, and some transactions can't be surcharged at all. Treat any 'allowed in N states' claim as time-sensitive and confirm the current rules before implementing.
At volume, negotiate: high-volume merchants can move to Interchange-plus pricing or custom enterprise rates. The other durable savings come from higher authorization rates (network tokens, smart retries) rather than the headline percentage.
Stripe U.S. standard pricing
Stripe U.S. list pricing by product. The per-charge fee is a percentage plus a fixed fee; product fees are separate. Verify against Stripe's current product-pricing pages.
| Product / type | Fee | Source |
|---|---|---|
| Online card (domestic) | 2.9% + $0.30 | stripe.com/pricing |
| International card | +1.5% (→ 4.4% + $0.30) | stripe.com/pricing |
| Currency conversion | +1% | stripe.com/pricing |
| Manually-entered card | +0.5% | stripe.com/pricing |
| Terminal (in-person) | 2.7% + $0.05 | stripe.com/terminal/pricing |
| ACH Direct Debit | 0.8%, capped at $5 | stripe.com/payments/ach-direct-debit |
| Billing | 0.7% of Billing volume | stripe.com/billing/pricing |
| Connect (platform-handled) | $2/mo per active acct + 0.25% + $0.25/payout | stripe.com/connect/pricing |
| Tax (no-code) | 0.5% per transaction | stripe.com/tax |
| Identity | $1.50 per verification | stripe.com/identity |
| Dispute (card) | $15 (refunded if won) | stripe.com/pricing |
U.S. standard list pricing, subject to change — reprice from Stripe's product pages before relying on these figures. Bank debits (ACH) and in-person (Terminal) are materially cheaper than online cards. High-volume merchants can negotiate Interchange-plus or custom pricing.
Frequently Asked Questions
How is the Stripe fee calculated?
Stripe charges a percentage plus a fixed fee: fee = amount × rate% + fixed. The U.S. online standard is 2.9% + $0.30, so a $100 charge costs $3.20 and you receive $96.80.
How do I charge the customer so I still net my target?
Use the gross-up: charge = (target + fixed) ÷ (1 − rate%). To net $100 at 2.9% + $0.30, charge about $103.30. Adding a flat 2.9% ($102.90) is NOT enough because it doesn't cover the $0.30. Note some U.S. states and card-network rules restrict surcharging — check the rules for your location and card type first.
Do international cards cost more?
Yes. Stripe's U.S. pricing adds +1.5% for international cards (so 4.4% + $0.30) and +1% when currency conversion is required; manually-entered cards add +0.5%. Set the percentage-rate input accordingly.
Is the Stripe fee tax deductible?
Generally yes — payment processing fees are a deductible business expense, usually booked under cost of sales or operating expenses.
How does Stripe compare with PayPal or Square?
For standard U.S. online card payments, Stripe is 2.9% + $0.30. Square is 2.9% + $0.30 on paid plans (3.3% + $0.30 on the free plan); PayPal is 2.99% + $0.49 for standard card payments (3.49% + $0.49 for PayPal Checkout). Compare the specific product and plan, not just the headline rate.
When is this calculator unreliable?
When Connect platform fees stack on top ($2/mo per active account + 0.25% + $0.25/payout), when several add-ons combine (international + currency conversion + manual entry), or under negotiated enterprise pricing. Product fees for Billing (0.7%), Tax (0.5%), Identity ($1.50) and disputes ($15) are separate from the per-charge fee.
References & Authoritative Sources
- Stripe — Pricing (Payments) · consulted July 4, 2026 · Online card 2.9% + $0.30; international/currency/manual add-ons; disputes
- Stripe — Billing pricing · consulted July 4, 2026 · 0.7% pay-as-you-go on Billing volume
- Stripe — Connect pricing · consulted July 4, 2026 · $2/mo per active account + 0.25% + $0.25/payout
- Stripe — Terminal pricing · consulted July 4, 2026 · In-person 2.7% + $0.05
- Stripe — Tax / Identity / Radar pricing · consulted July 4, 2026 · Tax 0.5% (no-code); Identity $1.50; Radar for Fraud Teams add-on
Related Calculators
Data Sources & Benchmarks
This calculator draws on 1 independent, dated source.
Methodology & Review
Stripe's fee is a percentage PLUS a fixed per-transaction fee, so fee = amount × rate% + fixed. U.S. online standard is 2.9% + $0.30 per successful card charge. Add-ons: +1.5% international card, +1% currency conversion, +0.5% manually-entered card. Other products: Terminal (in-person) 2.7% + $0.05; ACH Direct Debit 0.8% capped at $5; Billing 0.7%; Connect $2/mo per active account + 0.25% + $0.25/payout; Tax 0.5% (no-code); Identity $1.50/verification; disputes $15. The calculator returns the fee, the net you receive (amount − fee), and the true gross-up — the amount to charge so you NET your target after the fee: gross = (target + fixed) ÷ (1 − rate%). Note: amount × (1 + rate%) is only an add-on and does not fully cover the fixed fee. RELIABILITY: Reliable for the standard percentage+fixed model. Less reliable when Connect platform fees stack, when multiple add-ons combine, or under custom enterprise pricing.
Updated