Stripe Fee Calculator
Calculate Stripe payment processing fees. Standard rate: 2.9% + $0.30 per transaction. Verified April 2026.
Fee structure verified as of 2026-04. Rates may change.
Stripe Fee Structure
Stripe is the payment processor of choice for most SaaS companies, e-commerce platforms, and developer-focused businesses. Its standard 2.9% + $0.30 per transaction is competitive, and its developer-friendly API makes it the default for custom payment integrations. This calculator computes your exact net revenue after Stripe's fees, including support for international card surcharges and the reverse calculation (how much to charge to net a specific amount).
Current Stripe Fees
| Fee Type | Rate | Details |
|---|---|---|
| Standard | 2.9% + $0.30 | Domestic card transactions. |
| International Cards | 3.9% + $0.30 | +1% for cards issued outside the US. |
| ACH Direct Debit | 0.8% (max $5) | Bank account payments, capped at $5 per transaction. |
Fee structure verified as of 2026-04. Always check the platform's official fee page for the most current rates.
How to Use This Calculator
- Enter your sale amount — the total price your buyer pays.
- View the fee breakdown — see each fee component and the total deducted.
- Check your net earnings — the amount you actually receive after all fees.
- Adjust your pricing — if your net is too low, increase your sale price and recalculate.
Seller Tips for Stripe
- Stripe's 2.9% + $0.30 is competitive for domestic cards, but international cards cost 3.9% + $0.30. If you sell globally, the effective rate on a blended portfolio of domestic and international buyers is typically 3.2-3.5%.
- Stripe Radar (fraud protection) is included free in standard pricing but charges $0.05/transaction for Radar for Fraud Teams. If your chargeback rate is under 0.5%, the standard Radar is sufficient — don't pay for the upgrade unnecessarily.
- Unlike PayPal, Stripe refunds the transaction amount but keeps the processing fee. A refund on a $100 charge returns $100 to the customer but you lose the $3.20 in processing fees permanently. Factor this into your return policy economics.
Compare With Other Platforms
For general payment processing, compare with our Payment Fee Calculator. For marketplace-specific tools, see the Etsy Fee Calculator and Amazon Profit Calculator.
Source: Stripe — Pricing
Frequently Asked Questions
What is Stripe's fee per transaction?
Stripe charges 2.9% + $0.30 per successful domestic card charge. International cards add 1% (3.9% + $0.30). ACH bank transfers are 0.8% with a $5 cap. There are no monthly fees, setup fees, or minimum transaction requirements.
How do I calculate the reverse Stripe fee?
To charge a client and receive exactly $100 after fees: Amount = (100 + 0.30) / (1 - 0.029) = $103.28. Charge $103.28 and you'll receive $100 after Stripe's cut. This calculator handles this reverse calculation automatically.
Is Stripe cheaper than PayPal?
Yes. Stripe charges 2.9% + $0.30 vs PayPal's 3.49% + $0.49. On a $100 transaction: Stripe takes $3.20, PayPal takes $3.98. At $10,000/month in sales, you save ~$780/year by using Stripe over PayPal.
Does Stripe charge for refunds?
Stripe does not refund its processing fee when you issue a refund to a customer. You return the full amount to the customer, but the original 2.9% + $0.30 fee is not returned to you. This is standard across most payment processors.
The calculators on The Simple Toolbox are for educational and planning purposes only. Results are estimates based on your inputs and standard assumptions — they are not financial, legal, or tax advice. Consult a qualified professional before making significant financial decisions.
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