Stripe Fee Calculator (2026)
Calculate Stripe fees instantly for online payments, card transactions, international cards, invoices, subscriptions, and reverse fee calculations. This Stripe fee calculator estimates processing fees, net revenue, amount to charge, effective fee percentage, and add-on product costs.
Stripe's official US pricing lists 2.9% + 30¢ for domestic cards, plus 0.5% for manually entered cards, 1.5% for international cards, and 1% when currency conversion is required.
Estimates only. Verify exact charges in your Stripe dashboard and current Stripe pricing pages.
How to Use This Stripe Fee Calculator
Use this calculator by entering a payment amount, choosing the payment type, selecting domestic or international card status, and reviewing the Stripe fee, net revenue, and amount to charge. Reverse mode shows the required charge to receive a target amount.
Step 1: Enter Transaction Amount
Enter the customer payment amount before Stripe deducts fees.
Step 2: Select Payment Type
Choose online card payment, international card payment, manually entered card, in-person payment, ACH payment, invoice payment, or subscription payment.
Step 3: Add International or Currency Conversion Rules
Enable international card fees or currency conversion fees when the card, customer, or settlement currency differs from your local market.
Step 4: Review Stripe Fee Results
The calculator shows the total Stripe fee, net revenue, effective fee percentage, and reverse charge amount.
What Does a Stripe Fee Calculator Calculate?
A Stripe fee calculator estimates the payment processing cost Stripe deducts from a transaction. It calculates the percentage fee, fixed transaction fee, international card fee, currency conversion fee, add-on product fees, and net revenue after Stripe charges.
This page helps users calculate Stripe fees, Stripe processing fees, transaction fees, international fees, invoice fees, reverse Stripe fees, and how much to charge to net a target amount.
The core formula is fixed fee plus transaction amount multiplied by percentage fee. For example, $100 produces a $3.20 Stripe fee under a 2.9% + $0.30 model.
How Are Stripe Fees Calculated?
Stripe fees are calculated with a percentage fee plus a fixed fee per successful transaction. Additional charges apply for international cards, manually entered cards, currency conversion, Stripe Billing, Stripe Invoicing, Stripe Tax, Radar, Connect, and Terminal.
Stripe Fee = (Transaction Amount x Fee Percentage) + Fixed Fee
| Transaction | Fee Rate | Fixed Fee | Stripe Fee | Net Revenue |
|---|---|---|---|---|
| $10 | 2.9% | $0.30 | $0.59 | $9.41 |
| $50 | 2.9% | $0.30 | $1.75 | $48.25 |
| $100 | 2.9% | $0.30 | $3.20 | $96.80 |
What Stripe Fees Apply by Payment Type?
Stripe fees change by payment method, card location, entry method, product layer, and settlement currency. The base card fee covers standard online payments, while add-on products create additional fee layers.
| Stripe Payment Type | Fee Logic |
|---|---|
| Domestic card payment | Percentage fee + fixed fee |
| International card payment | Base fee + international card surcharge |
| Currency conversion payment | Base fee + conversion fee |
| Manually entered card | Base fee + manual entry surcharge |
| ACH payment | Bank debit fee model |
| Stripe Invoice | Payment fee + invoice product fee |
| Stripe Billing | Payment fee + billing product fee |
| Stripe Terminal | In-person card processing fee |
| Stripe Connect | Platform and connected account fee logic |
What Is Reverse Stripe Fee Calculation?
Reverse Stripe fee calculation determines the amount to charge so the seller receives an exact target amount after Stripe deducts processing fees. This matters for freelancers, agencies, SaaS businesses, consultants, and invoice-based sellers.
Amount to Charge = (Target Net + Fixed Fee) / (1 - Fee Percentage)
| Target Net | Fee Model | Amount to Charge |
|---|---|---|
| $100 | 2.9% + $0.30 | $103.30 |
| $500 | 2.9% + $0.30 | $515.76 |
| $1,000 | 2.9% + $0.30 | $1,030.18 |
How Do International Stripe Fees Work?
International Stripe fees apply when a customer pays with an international card or when currency conversion is required. Stripe US pricing adds 1.5% for international cards and 1% when currency conversion is required.
International fee layers include base card processing fee, international card surcharge, currency conversion fee, settlement currency difference, and regional pricing variation.
| Transaction | Base Fee | International Add-on | Conversion Add-on |
|---|---|---|---|
| $100 domestic card | $3.20 | $0.00 | $0.00 |
| $100 international card | $3.20 | $1.50 | $0.00 |
| $100 international + conversion | $3.20 | $1.50 | $1.00 |
International fees matter most for SaaS companies, ecommerce stores, marketplaces, global agencies, remote freelancers, and digital product sellers.
How Do Stripe Invoice Fees Work?
Stripe invoice fees combine the regular Stripe payment fee with an additional Invoicing product fee when Stripe Invoicing is used. Stripe states that Invoicing has no setup fee, while Stripe Payments pricing still applies.
| Stripe Invoicing Tier | Product Fee |
|---|---|
| Starter | 0.4% per paid invoice |
| Plus | 0.5% per paid invoice |
A paid Stripe invoice can include card processing fee, fixed transaction fee, invoicing product fee, international card fee, and currency conversion fee.
How Do Stripe Billing Fees Work?
Stripe Billing fees apply when businesses use Stripe for subscriptions, recurring invoices, usage-based billing, or SaaS pricing models. Billing creates an additional cost layer beyond standard card processing.
Stripe Billing supports subscription pricing models such as flat rate, per-seat, usage-based, tiered, package, volume, and variable pricing.
How Do Stripe Connect Fees Work?
Stripe Connect fees apply when a platform processes payments for connected accounts. Marketplaces, SaaS platforms, creator platforms, booking platforms, and multi-vendor ecommerce sites use Connect to route payments between buyers, sellers, and platform accounts.
A Stripe Connect fee calculator tracks customer payment amount, Stripe processing fee, platform application fee, connected account payout, international card fee, and currency conversion cost.
How Do Stripe Fees Affect Profit?
Stripe fees reduce net revenue because processing charges are deducted from the customer payment before the seller receives funds. The effect increases when transactions involve international cards, currency conversion, invoices, subscriptions, or add-on products.
Net Revenue = Gross Payment - Stripe Fees
| Gross Payment | Stripe Fee | Net Revenue |
|---|---|---|
| $100 | $3.20 | $96.80 |
| $500 | $14.80 | $485.20 |
| $1,000 | $29.30 | $970.70 |
Stripe Fees by Country
Stripe fees vary by country, local currency, card type, and customer card region. Country pages help users calculate local Stripe fees more accurately than one global page.
What Stripe Products Add Extra Fees?
Stripe product add-ons create extra fee layers beyond basic card processing. A full Stripe fee calculator includes core Payments plus optional product modules.
| Stripe Product | Cost Layer |
|---|---|
| Payments | Core card processing |
| Invoicing | Paid invoice percentage |
| Billing | Subscription billing fee |
| Checkout | Hosted checkout product layer |
| Payment Links | Link-based payment layer |
| Connect | Platform payment layer |
| Terminal | In-person payment processing |
| Tax | Tax calculation product fee |
| Radar | Fraud prevention product fee |
| Sigma | Reporting product fee |
How Can You Reduce Stripe Fees?
Stripe fees decrease when businesses reduce international card volume, avoid unnecessary currency conversion, consolidate transactions, select the correct payment method, and negotiate custom pricing at scale.
- Use local currency checkout
- Reduce manual card entry
- Encourage domestic card payments
- Batch low-value transactions where possible
- Monitor international card share
- Use ACH for eligible high-value payments
- Compare Stripe product add-ons before enabling them
- Request custom pricing at high volume
What Stripe Fee Mistakes Reduce Net Revenue?
Stripe fee mistakes reduce net revenue when businesses calculate only the base card fee and ignore fixed fees, international card charges, currency conversion, invoice product fees, billing fees, refunds, disputes, and platform fees.
- Ignoring the fixed fee
- Forgetting international card surcharges
- Excluding currency conversion
- Mispricing low-ticket products
- Ignoring invoice product fees
- Ignoring subscription billing fees
- Mixing Stripe gross revenue with net revenue
- Forgetting marketplace platform fees
- Comparing Stripe and PayPal without identical transaction assumptions
Stripe Fee Calculator Examples
Stripe fee examples show the difference between gross revenue, processing fees, and net revenue. The following examples use US domestic card pricing of 2.9% + $0.30.
| Transaction Amount | Stripe Fee | Net Revenue | Effective Fee |
|---|---|---|---|
| $10 | $0.59 | $9.41 | 5.90% |
| $50 | $1.75 | $48.25 | 3.50% |
| $100 | $3.20 | $96.80 | 3.20% |
| $500 | $14.80 | $485.20 | 2.96% |
| $1,000 | $29.30 | $970.70 | 2.93% |
The fixed fee affects small transactions more heavily. A $10 payment has a higher effective fee percentage than a $1,000 payment because the $0.30 fixed fee represents a larger share of the sale.
Stripe Fee Calculator FAQ
Stripe fees are calculated with a percentage fee plus a fixed fee per successful transaction. A $100 US domestic card payment at 2.9% + $0.30 creates a $3.20 fee and $96.80 net revenue.
The Stripe fee formula is: Stripe Fee = transaction amount x fee percentage + fixed fee. Reverse Stripe calculation uses: amount to charge = target net plus fixed fee divided by 1 minus fee percentage.
Stripe takes $3.20 from a $100 US domestic card transaction under the 2.9% + $0.30 model. The seller receives $96.80 before refunds, disputes, add-ons, taxes, or currency conversion.
A reverse Stripe fee calculator shows how much to charge so the seller receives a specific target amount after Stripe deducts processing fees. It is useful for freelancers, agencies, invoices, and SaaS pricing.
Yes. Stripe US pricing adds 1.5% for international cards and 1% when currency conversion is required. These fees increase total payment processing cost.
Yes. Stripe Invoicing has separate product pricing. Stripe lists Starter at 0.4% per paid invoice, and Stripe Payments pricing also applies.
Yes. Stripe Billing is a separate subscription billing product. Billing fees apply on top of the standard Stripe payment processing fees for recurring payments and subscription management.
Stripe and PayPal costs depend on country, transaction type, card type, international status, currency conversion, and product add-ons. A direct comparison requires identical amount, currency, payment method, and buyer location.
Stripe offers custom pricing for businesses with large payment volume, unique business models, or enterprise requirements. High-volume merchants contact Stripe sales for custom rates.
Stripe refund and dispute fee handling depends on country, product, and account terms. Businesses calculate refunds separately because original processing costs and dispute fees affect final net revenue.