Stripe Fee Calculator
See what Stripe takes from a payment and what you keep, or work backwards to what you should charge. Free, no signup.
Fees explained
How Stripe Fees Work
Stripe charges one combined fee per successful card payment and takes it before the money reaches your balance. Surcharges stack on top of the standard rate.
-
Card processing fee
2.9% + $0.30
Stripe's standard US rate for online card payments is 2.9% of the charge plus $0.30. The $0.30 is the same on every payment, so it costs proportionally more on small charges.
- Charged on
- Each successful online card payment for a US business on standard pricing.
- In effect since
- Date not published by Stripe
- Source
- stripe.com support.stripe.com
-
Manual entry surcharge
0.5%
Only when it applies
If you type a customer's card number into the Stripe Dashboard (for example, for a phone order), Stripe adds 0.5% on top of the standard card rate.
- Charged on
- Cards typed into the Stripe Dashboard or taken through Terminal MOTO (mail order / telephone order).
- In effect since
- Date not published by Stripe
- Source
- stripe.com support.stripe.com
-
International card surcharge
1.5%
Only when it applies
When a customer pays with a card issued outside the US, Stripe adds 1.5% on top of the standard card rate.
- Charged on
- Payments made with a card issued outside the United States.
- In effect since
- Date not published by Stripe
- Source
- stripe.com
-
Currency conversion fee
1%
Only when it applies
If a payment has to be converted to another currency, Stripe adds another 1%. It stacks with the international card surcharge, so a foreign card paying in a foreign currency pays both.
- Charged on
- Payments Stripe has to convert to your account's currency, for example a customer charged in euros when you are paid out in US dollars.
- In effect since
- Date not published by Stripe
- Source
- stripe.com
Worked example
A $100 Invoice, Both Ways
The same invoice from both directions, using a US card.
You Charge $100.00
- Customer pays
- $100.00
- Stripe fee 2.9% × $100.00 + $0.30
- −$3.20
- You receive
- $96.80
Effective rate: 3.2% of the sale.
You Want to Receive $100.00
- Charge your customer ($100.00 + $0.30) ÷ (1 − 2.9%)
- $103.30
- Stripe fee 2.9% × $103.30 + $0.30
- −$3.30
- You receive
- $100.00
Adding the $3.20 fee to $100.00 is not enough, because Stripe also takes 2.9% of the extra.
FAQ
Stripe Fee Questions
How much does Stripe charge per transaction in the US?
For a US business on Stripe's standard pricing, an online card payment costs 2.9% + $0.30 per successful charge. On a $100 payment that is $3.20, so you receive $96.80.
How do I work out what to charge so I receive an exact amount after Stripe fees?
Add the fixed fee to the amount you want, then divide by one minus the percentage: (target + $0.30) ÷ (1 − 2.9%). To receive $100.00 you need to charge $103.30. Switch the calculator to “I want to receive X” and it does this for you, rounded up to the cent.
Why is the Stripe fee so high on small payments?
Because $0.30 of every fee is fixed. On a $10 payment the fee is $0.59, which is 5.9% of the sale, compared with 3.2% on a $100 payment. Bundling small orders into larger ones lowers your effective rate.
Does Stripe charge more if I type in a card number by hand?
Yes. Stripe's support site says cards entered manually in the Dashboard or through Terminal MOTO cost 3.4% + $0.30 for US businesses on standard pricing. On $100 that is $3.70 instead of $3.20.
Does Stripe charge extra for international cards or currency conversion?
Yes. Stripe adds 1.5% for cards issued outside the US and another 1% when the payment has to be converted to another currency. They stack: a $100 payment from a foreign card in a foreign currency costs $5.70 instead of $3.20. Pick both options in the calculator to see your exact amount.
Is the Stripe fee taken before the money reaches my bank?
Yes. Stripe deducts its fee from each payment before the balance is paid out, so the amount you receive is the charge minus the fee. Your Stripe Dashboard shows the exact fee for every payment.
Is this calculator made by Stripe?
No. This is an independent tool and is not affiliated with, endorsed by, or sponsored by Stripe. Results are estimates based on Stripe's published standard pricing; custom or negotiated pricing will differ.