Stripe Fee Calculator
Determine exactly how much Stripe will deduct from your payments and see your net payout. You can also calculate the exact amount to invoice or charge a client in order to receive a target payout after fees.
Calculates the net payout you will receive from a total payment of $100.
You Receive (Net Payout)
from a $100.00 charge
How to Calculate Stripe Transaction Fees
Processing transactions online involves fee structures designed to offset compliance, fraud risk, and network expenses. With standard Stripe US processing, the formula consists of a percentage rate plus a flat fee per charge.
Using this calculator is simple: enter the dollar value of your invoice or sales receipt and select your typical transaction category. Our tool instantly determines the precise cut Stripe takes, your actual payout, and also works backward to specify the gross billing amount needed to clear your target net earnings.
The Stripe Fee Equations
To calculate what you will receive (Standard payout math):
Net Payout = Charge Amount - (Charge Amount × Rate Percentage) - Fixed Fee
For example, at 2.9% + $0.30 on a $100.00 transaction, the fee is: ($100.00 × 0.029) + $0.30 = $3.20. Your net payout is $96.80.
To calculate what you must invoice (Reverse charge math):
Gross Invoice = (Net Target + Fixed Fee) / (1 - Rate Percentage)
For example, if you want to clear exactly $100.00 after a 2.9% + $0.30 fee: ($100.00 + $0.30) / (1 - 0.029) = $103.30 / 0.971 = $106.39. You must charge $106.39.
Common Stripe Fee Reference Table
Here is a breakdown of standard US processing fees (2.9% + $0.30) for typical payment amounts.
| Target/Sale Amount | Standard Fee | Standard Net Payout | Invoice to Receive Sale |
|---|---|---|---|
| $10.00 | $0.59 | $9.41 | $10.61 |
| $50.00 | $1.75 | $48.25 | $51.80 |
| $100.00 | $3.20 | $96.80 | $103.30 |
| $500.00 | $14.80 | $485.20 | $515.24 |
| $1,000.00 | $29.30 | $970.70 | $1,030.18 |
Frequently Asked Questions
How do I avoid paying Stripe transaction fees?
While you cannot force Stripe to discount transaction charges on standard credit cards, merchants frequently adjust agreements or utilize custom item pricing to request that customers contribute equivalent Processing Fee overhead. Alternatively, selecting ACH Direct Debit transactions reduces processing rate charges to 0.8% per transaction, capped at a maximum of $5.00.
Are Stripe fees refunded when I issue client refunds?
No. Effective in recent fee policy terms, Stripe does not return credit card processing interchange fees when a payments merchant issues a refund. You retain responsibility for the original percentage and flat processing expenses, meaning the cost of returns is borne entirely by the merchant.
Does Stripe charge a regular monthly recurring fee?
No. Stripe utilizes a pay-as-you-go financial format and does not demand set monthly minimums, subscription fees, or initial setup charges. You are solely billed for transactions processed through your Stripe account.
What determines an international card processing charge?
Stripe applies a 1% additional fee on credit cards issued outside of the United States. Furthermore, if currency conversion is required, a standard 1% fee is applied to the transaction total.
Guides for the Stripe Fee Calculator
Longer reads on the maths and the practical side of this tool.
