Stripe Fee Calculator

Stripe US pricing (online)

Stripe’s standard US rate for domestic cards online is 2.9% + $0.30 per successful charge. The math is straightforward: fee = amount × 0.029 + $0.30; net payout = amount − fee. In-person Terminal swipes run 2.7% + $0.05; ACH Direct Debit is 0.8% capped at $5. High-volume merchants, nonprofit pricing, and custom enterprise contracts can beat published defaults — this calculator uses common self-serve US online rates unless you toggle the international card surcharge.

The fixed $0.30 per charge dominates small tickets. On a $5 payment, $0.30 is an extra 6% before the 2.9% percentage even applies — effective fees can exceed 8%. On a $100 charge, that same $0.30 adds only 0.3% on top of 2.9%, for 3.2% effective. SaaS founders pricing micro-plans and food trucks selling $4 add-ons should model sub-$10 charges explicitly rather than assuming 2.9% flat.

International cards issued outside the US add 1.5% on the charge amount when you enable that option here. A $100 domestic charge costs $2.90 + $0.30 = $3.20 (3.2% effective), leaving $96.80 net. The same $100 with an international card adds $1.50, for $4.70 total fees and $95.30 net. Premium corporate cards, currency conversion, and cross-border payouts can stack additional fees not captured in domestic defaults.

Stripe typically keeps the original processing fee when you issue a refund — you return the customer’s payment but do not recover the $0.30 and percentage already deducted. Chargebacks add dispute fees (often $15) separate from processing. Radar fraud tools, Billing for subscriptions, Connect platform splits, and Instant Payouts each carry their own pricing pages on stripe.com/pricing.

Worked example at scale: 100 orders of $50 each at 2.9% + $0.30 → $1.45 + $0.30 = $1.75 fee per order, $175 total fees on $5,000 gross, 3.5% blended effective rate because the fixed fee amplifies small baskets. One $5,000 invoice instead of one hundred $50 charges would pay $145.30 in fees (2.906% effective) — batching matters when your pricing model allows it.

Round-trip sanity check: multiply gross by 0.029, add $0.30, subtract from gross — you should match the calculator net within a cent of rounding. If you are working backwards from a desired net, use the reverse fee calculator: gross = (net + $0.30) ÷ (1 − 0.029). Naively adding 2.9% to net under-collects because the percentage applies to the larger gross amount.

Currency conversion, Stripe Tax, Climate contributions, and custom Connect application fees are omitted. Stripe updates pricing by country and product surface — Calcometry is not affiliated with Stripe. Copy exact rates from Dashboard → Settings → Pricing before quoting clients or setting subscription prices.

Stripe Billing and Checkout may bundle tax and shipping into the charge amount — fees apply to the total processed, not your net-of-tax subtotal. Nonprofit and registered charity accounts can qualify for discounted rates with documentation. 3D Secure authentication and failed payment attempts usually incur no fee, but successful retries each pay full processing on the captured amount.

Marketplaces and platforms using Stripe Connect pass application fees — sellers see net after both Stripe processing and platform take. If you are the platform, model Connect fees separately in Stripe docs. ACH bank debits at 0.8% capped at $5 can beat card rates on large B2B invoices above roughly $200 when the cap binds.